Trauma / Critical Illness Calculator
Recommended trauma cover and indicative premium.
NZ$
Common starting point: 1× annual income or mortgage balance.
Indicative monthly premium
$66.67
On $250,000.00 of trauma cover
| Sum insured | $250,000.00 |
|---|---|
| Monthly premium | $66.67 |
| Annual premium | $800.00 |
About this calculator
Trauma cover (also called critical illness) pays a lump sum on diagnosis of a listed condition — typically cancer, heart attack, stroke, multiple sclerosis. Use it to clear the mortgage, fund recovery time, or pay for treatment not covered by the public system.
- Coverage list varies by insurer — get a current copy of the Standalone Trauma Cover wording.
- Common starting point: 1× annual income or the mortgage balance, whichever is greater.
Frequently asked questions
Why is trauma so much pricier than life cover?
Claim probability is higher — lots of people get a serious illness; most don't die before retirement.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.