In New Zealand Trauma cover provides a lump sum payment in event you are diagnosed with a critical illness.

Imagine……..

Trauma Cover?

You might have You need to

Mortgage on your house Pay

Ongoing bills Pay

Kids going to School/Uni Pay

Take care of your family

i-insure.co.nz for information about Trauma Cover in New Zealand

o AMP financial strength is very strong with grade “AA-”o Asteron Life financial strength is strong with grade “A+”o Fidelity life financial strength is strong with grade “A-”

Every insurance provider offers:o Lump sum payment if person insured diagnosed with a critical illness maximum of $2 million. o You can bundle your trauma cover with your existing life insurance. This is called “accelerated” or

“linked” trauma. Equally, you can get trauma cover as a standalone.

Let’s have a look at 3 New Zealand insurance companies

Which policy is a right fit for you ?Every provider offers different criteria and benefits

AMP Lifetrack

AMP RPP

Asteron Life Fidelity Life

Entry age 16 -60Provides Cover to 70. Some

conditions expire at 85.

Entry age15-60Provides Cover to 70

Entry age 25-60Provides Cover to 65

Entry age 16-64Provides Cover to 70

Free children's benefit up to $20,000 or 10% of parental trauma policy for kids 2-18 years old

Free children’s benefit up to $10,000 can be added to parental trauma policy

for kids 0.5-18 years old$10,000 of Child cover can be

transferred to a standalone Trauma cover at the age of 21 to $100,000

without additional medical underwriting

Free children’s benefit for the lesser of $50,000 or 20% of parental trauma policy can be added

for kids 2-18 years old

“Special event” option allows you to make changes to your policy without providing proof of health: a house purchase, a mortgage

increase, a birth of a child

Offers Needlestick benefit for those who work in the medical and

emergency services, which helps to ensure you can protect yourself against

the financial impact of contracting Hepatits B or C or HIV

Premiums can be waived if you are totally disabled and refunded for a duration of waiting

period

Trauma plus option increases the number of covered illnesses by 25 cases for RPP and by 24 cases for Life track.

Payments can be made if you are diagnosed with early stages of cancer

Business future insurability option allows you to increase cover each year without providing

medical evidence.

AMP Trauma Cover Conditions

AMP Lifetrack1) Advanced Diabetes 28) Major head injury

2) Aortic Surgery 29) Major organ transplant

3) Aplastic Anemia 30) Meningitis

4) Alzheimer's Disease 31) Motor Neurone Disease

5) Bening Tumor of the Brain or Spinal Cord 32) Multiple sclerosis

6) Blindness 33) Muscular Dystrophy

7) Cardiomyopathy 34) Pneumonectomy

8) Coronary Artery Angioplasty 35) Paralysis – Hemiplegia

9) Coronary Artery Surgery 36) Paralysis – Diplegia

10) Chronic liver disease 37) Paralysis – Paraplegia

11) Chronic Lung Disease 38) Paralysis – Quadriplegia

12) Coma 39) Parkinson’s Disease

13) Cancer 40) Stroke

14) Cancer of the breast, prostate, skin or bowel 41) Severe Burns

15) Creutzfeldt-Jakob Disease

16) Dementia

17) Deafness

18) Encephalitis

19) Heart Attack – Myocardial Infarction

20) Heart Attack – Out of Hospital Cardic Arrest

21) Heart Valve Surgery

22) HIV/AIDS Medically/Occupationally acquired

23) Primary Pulmonary Hypertension

24) Kidney Failure

25) Loss of speech

26) Loss of independent living

27) Loss of use of hands, or feet or loss of sight

AMP RPP1) Advanced Diabetes 28) Meningitis

2) Aortic Surgery 29) Motor Neurone Disease

3) Aplastic Anemia 30) Multiple sclerosis

4) Alzheimer's Disease 31) Muscular Dystrophy

5) Angioplasty Triple Vessel 32) Pneumonectomy

6) Bening Tumor of the Brain or Spinal Cord 33) Paralysis – Hemiplegia

7) Blindness 34) Parkinson’s Disease

8) Cardiomyopathy 35) Stroke

9) Coronary Artery Surgery 36) Severe Burns

10) Chronic liver disease

11) Chronic Lung Disease

12) Coma

13) Cancer

14) Cancer of the breast, prostate, skin or bowel

15) Creutzfeldt-Jakob Disease

16) Deafness

17) Encephalitis

18) Heart Attack – Myocardial Infarction

19) Heart Attack – Out of Hospital Cardic Arrest

20) Heart Valve Surgery

21) HIV/AIDS Medically/Occupationally acquired

22) Primary Pulmonary Hypertension

23) Kidney Failure

24) Loss of speech

25) Loss of use of hands, or feet or loss of sight

26) Major head injury

27) Major organ transplant

ASTERON Trauma Cover ConditionsAsteron Trauma Cover

1) Alzheimer’s disease/Dementia 29) Open heart surgery

2) Angioplasty 30) Out of hospital cardiac arrest

3) Aorta surgery 31) Pneumenoctamy

4) Aplastic anaemia 32)Peripheral neuropathy

5) Benign Brain Tumor 33) Parkinson's Disease

6) Cancer 34) Primary pulmonary hypertension

7) Cardiomyopathy 35) Paraplegia paralysis

8) Chronic Liver failure 36) Parkinson's Disease

9) Chronic Lung disease 37) Quadriplegia paralysis

10) Creutzfeldt-Jakob disease 38) Tetraplegia paralysis

11) Cognitive Impairment 39) Severe burns

12) Coma 40) Systemic sclerosis

13) Coronary artery bypass surgery 42) Total blindness

14) Dementia 43) Total deafness

15) Diplegia paralysis 44) Stroke

16) Encephalitis

17) Heart valve surgery

18) Hemiplegia paralysis

19) Heart attack

20) Intensive care

21) Loss of independent existence

22) Loss of limbs or eyes

23) Loss of speech

24) Major head trauma

25) Major organ transplant

26) Multiple sclerosis

27) Muscular dystrophy

28) Occupationally acquired HIV

Fidelity Trauma Cover ConditionsFidelity Trauma Cover

1) Accidentally acquired HIV 27) Multiple sclerosis

2) Adult insulin dependent diabetes mellitus 28) Muscular dystrophy

3) Alzheimer’s disease/Dementia 39) Occupationally acquired HIV

4) Angioplasty 30) Open heart surgery

5) Aorta surgery 31) Out of hospital cardiac arrest

6) Aplastic anaemia 32) Pneumenoctamy

7) Benign Brain Tumor 33) Parkinson's Disease

8) Cancer 44) Primary pulmonary hypertension

9) Cardiomyopathy 35) Paraplegia paralysis

10) Chronic Liver failure 36) Parkinson's Disease

11) Chronic Lung disease 37) Quadriplegia paralysis

12) Chronic renal failure 38) Tetraplegia paralysis

13) Cognitive Impairment 39) Severe burns

14) Coma 40) Severe osteoporosis

15) Coronary artery bypass surgery 41) Severe rheumatoid arthritis

16) Diplegia paralysis 42) Total blindness

17) Encephalitis 43) Total deafness

18) Heart valve surgery 44) Stroke

19) Hemiplegia paralysis

20) Heart attack

21) Intensive care

20) Loss of independent existence

21) Loss of limbs or eyes

22) Loss of speech

23) Major head trauma

24) Major organ transplant

25) Meningitis

26) Motor neurone disease

AMP Lifetrack AMP RPP Asteron Life Fidelity Life

4 types of Paralysis 1 type of Paralysis 4 types of Paralysis 4 types of Paralysis

Independent Living Severe Osteoporosis

Dementia Severe Rheumatoid ArthritisInsulin Dependent Diabetes MellitusInsulin dependent diabetes mellitusAccidentally Acquired HIVRenal Failure

Unique Cover Options

Contact Vlad Ivanov (AFA) in order to discuss which product is suitable for you.

Please check Trauma Cover 09 525 4675 586 Great South Road, Greenlane, Auckland PO Box 17261i-insure.co.nz