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What's Trauma Cover?
Trauma Cover provides a lump sum payment that allows you to focus on your
recovery. The payment can be used for any purpose – which could include
reducing debt, covering living expenses, paying for alternative treatments or
a holiday to recuperate. And remember, ACC don’t pay for illness.
On-going improvements and advancements in modern medicine mean you have a
greater chance of surviving a serious illness or condition but the financial
impact it can have on you (and your family) can be significant.
Suffering a serious illness is devastating in any circumstances but the burden
will be far greater if your financial security is also put at risk. A person
suffering from one of the four main critical illnesses (heart attack, heart
disease, cancer or stroke) has a nearly 50% chance of surviving for up to 10
years beyond the critical incident. However, in many cases this involves a
reduced working capacity and necessitates significant lifestyle changes and
This benefit gives you a financial boost when you most need it, and can help
you cope with the financial cost of illness, including the fact your partner
is unlikely to be working the same hours while you’re ill. You’d likely have
expenses associated with the illness that you need to pay for too, which makes
trauma cover a vital part of your insurance plan.
But I can get a disability payment for illness from the government,
If you’re married, in a civil union or de facto relationship, with or without children, your joint weekly income before tax must be less than $943.88 before you get a cent from the state. That’s joint income of no more than $49,081 per year to qualify. If you’re single and have no children, you usually qualify if
your income is $635.98 per week or less. Two-thirds of “disabilities” where
people are off work aren’t caused by accidents, so ACC pays nothing for these
people. Most of us have only 5 or 10 days sick leave available in any given
Partners Life is a new and innovative New Zealand owned life and health insurer, established in 2010 by the founders of Sovereign Assurance and the former Club Life company. They have an AM Best rating of A- (Excellent) The AM Best rating scale is: A++, A+ (Superior) B,B- (Fair) A, A- (Excellent) C++, C+ (Marginal) B++, B+ (Good) C, C- (Weak) D (Poor) E (Under Regulatory Supervision) F (In Liquidation) S (Suspended) AM Best Ltd is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.
Asteron is owned by Australia’s Suncorp Group, and has trading origins in NZ dating back to 1878, and was most recently known as Royal & Sun Alliance. Asteron has over 170,000 customers in New Zealand.
AIA has traded in New Zealand since 1981 but has had an Asia-Pacific presence for over 90 years, serving more than 20 million customers across 15 geographical markets. AIA New Zealand Limited has been given an AA (Very Strong) insurer financial strength rating by Fitch Ratings, an approved ratings agency. A rating of AA means AIA New Zealand Limited has a very strong capacity to meet policyholder and contractual obligations. The Fitch rating scale is: AAA (Exceptionally Strong) BBB (Good) CCC (Very Weak) AA (Very Strong) BB (Moderately Weak) CC (Extremely Weak) A (Strong) B (Weak) C (Distressed). Plus (+) or minus (-) signs may be appended to indicate the relative position of a credit within the rating category. Such suffixes are not added to ratings in the AAA category or to ratings below the CCC category.
New Zealand owned Fidelity Life has been in the business of keeping families strong since 1973, and has an A- rating from AM Best. Fidelity paid over $40M in claims last year. The AM Best rating scale is: A++, A+ (Superior) B,B- (Fair) A, A- (Excellent) C++, C+ (Marginal) B++, B+ (Good) C, C- (Weak) D (Poor) E (Under Regulatory Supervision) F (In Liquidation) S (Suspended) AM Best Ltd is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.
OnePath is one of the leading providers of financial services in Australia, including investment, insurance and superannuation.
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Insure Me offers a wide range of Life and Health Insurance options from major NZ insurers direct to you at great rates.