Cii Group

Trauma Insurance

What would you need if the diagnosis was POSITIVE for …!

 Time off work to fight the illness, money to pay the mortgage/bills, travel to see specialists in other parts of the country, seek alternative medical treatment to name just a few

Did you know?

How it works?

In the event of a covered condition being diagnosed and you surviving 14 days, a lump sum is paid to the policy owner.  This provides the flexibility to explore treatment options, contribute to ongoing financial commitments and time to recover.  Traditional trauma policies cover a broad range of major conditions and some may have partial payments for minor events.  More contemporary policies are increasing the number of covered conditions and also providing ongoing cover through severity based and multiple trauma payments.

1. Ministry of Health 2012: New registrations and deaths 2010 (latest available)
2. The Stroke Foundation of New Zealand, 2014

Total Permanent Disablement

It's easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again.

Does your cover go far enough? 

How would your family or your business cope if you were permanently disabled? Do you have a plan to provide for them? What would happen to your future plans, and theirs?

Did you know?

How it works

Total Permanent Disablement (TPD) cover provides a lump sum in the event of total permanent disablement caused by accident or illness, and you can choose how to spend it. It might be paying off the mortgage, getting the best medical care, improving access to your home and workplace, or ensuring your business survives.

With TPD protection, you can choose to be covered for “any” occupation or your “own” occupation.

1. 2013 Disability Survey, Statistics New Zealand
2. The Stroke Foundation of New Zealand, 2014