Trauma Insurance
A lump sum for life's toughest moments.
Trauma cover pays a lump sum if you're diagnosed with a specified serious condition — so you can focus on recovery, not finances.
Common covered conditions
- Cancer (with some exclusions for early-stage or minor cases)
- Heart attack
- Stroke
- Major organ transplant
- Other specified conditions (varies by insurer)
How it helps
- Pay for private treatment or rehabilitation
- Modify your home for accessibility
- Cover living costs while you focus on recovery
- Reduce financial stress on your family
Standalone or add-on
Trauma cover can be standalone or attached to life insurance. We'll explain the pros and cons of each structure for your situation.
Want to see trauma cover options?
Get a trauma insurance comparison from an independent NZ adviser.