Trauma insurance

So you can focus on recovery

Cover expenses and compensate you for your trauma.

If you or a family member is diagnosed with a serious illness, a trauma policy will pay out a lump sum to cover expenses and compensate you for your trauma. Trauma insurance helps to cover the costs of medical and rehabilitation expenses, providing financial support to aid your recovery after significant medical events and temporary and permanent disabilities. The lump sum can be used to pay for support services and counselling, and additional or alternative treatments that may not be covered elsewhere. We can arrange customisable options to fit your needs to help your family during a difficult time.


Pays you a lump sum of money when facing a serious illness
Helps cover the cost of medical treatments, surgeries, and expenses
Provides financial support for care and rehabilitation
Lets you and your family focus on recovery instead of money worries

Frequently asked questions

Are the benefits from trauma insurance taxable?

In New Zealand, trauma insurance payouts are generally not subject to income tax, as they're considered personal injury compensation. However, it's always a good idea to consult with a tax professional to understand your specific situation.

Can I get trauma insurance if I have a pre-existing condition?

While you can typically secure trauma insurance even with pre-existing conditions, claims related to those conditions may not be covered. It's crucial to discuss these details with your insurance adviser to fully understand your coverage specifics. Remember that NZ Insurances is on your side. Your full disclosure helps us represent your interests effectively. By understanding your complete health situation, we can navigate the complexities of trauma insurance on your behalf, to secure the best results for you.

How is the payout from trauma insurance calculated?

When buying your policy, you can choose how much your trauma insurance will pay out. This is not linked to your income or assets, but should be considered based on your personal needs and financial commitments.

What conditions does trauma insurance cover?

Trauma insurance typically covers serious illnesses or injuries, such as cancer, heart disease, and stroke. The exact conditions covered will depend on your policy, so it's essential to review this thoroughly.

How is trauma insurance different from health insurance?

While health insurance covers the cost of medical treatments, trauma insurance provides a lump-sum payment that you can use however you need, such as paying for rehabilitation, home modifications, or even taking time off work for recovery.

What is trauma insurance?

Trauma insurance, also known as critical illness insurance, provides a lump sum payment if you're diagnosed with a specific illness or injury, such as cancer, heart attack, or stroke. It's designed to help you manage medical costs and maintain your lifestyle during recovery.

Are you fully covered?

Take a closer look at these insurance policies. Get in touch for a free quote to make sure you have comprehensive coverage for your lifestyle and budget.

Our dedicated team

We’ll seek out the best policy and package for your circumstances, no matter who the provider is, and we’ll bat for you if you need to make a claim.
Our knowledgeable insurance advisers are dedicated to keeping Kiwi families’ income and investments safe and secure through quality insurance.
Get covered today

Are you prepared?

Our insurance advisers help you choose an insurance package, then get you the best coverage for the best prices. Book a free consultation today.
Thank you, your submission has been received!
Someone from our team will be in touch within 24 hours.
Oops! Something went wrong while submitting the form.