PERSONAL INSURANCE


Serious Illness





Serious Illness (Trauma Insurance)

How would you and your family cope if you suffered a serious illness such as cancer, heart attack or a stroke?

Ongoing advances in medical treatment mean New Zealanders have a greater chance of surviving a serious illness than ever before but it may take 6/12/24 months to recover so there is a greater need for financial support.

Serious Illness also know as Trauma insurance pays you a one-off lump sum if you have a serious medical condition specified in your policy (typical covered conditions listed below). You could use the benefit for anything you decide such as:

  • pay for specialist treatment and private medical costs
  • make lifestyle changes so you can focus on recovery
  • take some time off work or take a stress-free family holiday
  • pay down debt

The diagnosis of a trauma event is devastating in any circumstances but the burden will be far greater if your financial security is also put at risk. Trauma insurance takes the pressure off, so you can spend your time focusing on recovering - not worrying about your finances!

Cancer Only Cover

There is also specialised Cancer Only Cover for people who don’t qualify for full Trauma Cover but want cover for a cancer event. This policy helps if you get cancer, even in the early stages. Cancer Cover pays you a lump sum of money if you experience any early stage cancer or meet the claim criteria for more severe cancers. This cover is designed to help people recover physically and financially from cancer.

An Adelphi Insurance adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Insurance Plan to determine the ideal level of Trauma Insurance cover you need for your family’s unique circumstances and needs.

Some food for thought…

  • Everyday, there are 57 new cancer cases registered and 23 deaths from cancer in New Zealand. (1)
  • Over 3,300 New Zealand men are diagnosed with prostate cancer every year. (2)
  • One in three New Zealand adults with heart disease has had a medical procedure. (3)
  • Every day about 21 New Zealanders suffer a stroke. One quarter occur in people under 65 years of age. Stroke is the major cause of adult disability in New Zealand. There are an estimated 60,000 stroke survivors in New Zealand. (4) 
    1. Ministry of Health 2012: New registrations and deaths 2009
    2. Ministry of Health 2012: New registrations and deaths 2009
    3. Ministry of Health 2006/2007 Health Survey (latest available)
    4. The Stroke Foundation of New Zealand, 2012

For the past three years (2011-2013) Fidelity Life has paid a total of $38 million in critical illness claims (Critical Care, Trauma and Life Care)

The details below are for one year to 30 June 2013

Trauma Stats

Source: Fidelity Life Annual Report Claim Statistics 2011-2013.

Typical Trauma Cover conditions by a comprehensive policy

  • Accidentally acquired HIV 
  • Adult onset insulin dependent diabetes mellitus# 
  • Alzheimer’s disease/Dementia
  • Angioplasty
  • Aorta surgery
  • Aplastic anaemia 
  • Benign brain tumour 
  • Cancer
  • Cardiomyopathy 
  • Cerebrovascular accident (stroke)
  • Chronic liver failure 
  • Chronic lung disease 
  • Chronic renal (kidney) failure 
  • Cognitive Impairment 
  • Coma 
  • Coronary artery bypass surgery
  • Encephalitis 
  • Heart valve surgery
  • Intensive care 
  • Loss of independent existence 
  • Loss of limbs and/or eyes
  • Loss of speech 
  • Major head trauma 
  • Major organ transplant 
  • Meningitis /meningococcal disease 
  • Motor neurone disease 
  • Multiple sclerosis
  • Muscular dystrophy
  • Myocardial infarction (heart attack)
  • Occupationally-acquired HIV 
  • Open heart surgery 
  • Out of hospital cardiac arrest
  • Paralysis: 
  • diplegia hemiplegia paraplegia quadriplegia tetraplegia 
  • Parkinson’s disease 
  • Pneumonectomy 
  • Primary pulmonary hypertension 
  • Severe burns 
  • Severe osteoporosis
  • Severe rheumatoid arthritis 
  • Total blindness 
  • Total deafness

 

 

CONTACT US FOR MORE INFORMATION

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0800 656 670

A helping hand from quote to claim