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Trauma cover

Financial stability when you need it most

Preparing for the unexpected is pretty tricky, but organising trauma cover isn’t. Trauma cover can help give you peace of mind. Should you suffer a specified serious illness or injury, or undergo a serious medical procedure outlined in your policy, it provides you with a lump sum payment to use any way you like.

From paying your medical care to covering your mortgage or household bills, you can choose how best to use the money. This leaves you to focus on the more important things, like your treatment, recovery and spending time with your loved ones.

This might suit you if…

  • you want to stay on track financially if you unexpectedly get ill or injured or undergo a medical procedure
  • you want the freedom to use that financial support to cover the costs of what’s really important to you and your family
  • you want the flexibility to tailor insurance to your own needs.

Here’s what you get:

  • A lump sum payment to use as you need, following specified serious illness, injury or medical procedures.
  • The flexibility to choose the level of cover you want, depending on your own individual needs.
  • Peace of mind that you and your family will be financially supported in the event of serious illness, injury or medical procedures.

Talk to your Adviser,
email us, or call us on

0800 808 267

Monday to Friday
8:30am - 5:30pm

Financial peace of mind, when you need it most

No one wants to imagine the worst happening but in case it does, trauma cover is your financial safety net. When you take out trauma cover, the benefits are:

  • A lump sum payment if you suffer a specified serious illness or injury or undergo a specified serious medical procedure. This can be used for anything you like, not just medical expenses.
  • Customisable cover to help meet both protection and affordability needs.
  • Inbuilt children’s trauma cover (if selected).

How trauma cover has helped a Kiwi family1

Aroha was 42 and married with two young children when she went to the doctor with a ‘niggle in her back’. After a specialist referral, she was diagnosed with bowel cancer.

With the payment she received, Aroha and Bill chose to pay off their mortgage. This meant Bill could take time off work to be with Aroha and look after their children.

Five years on, she’s doing fine. Aroha and Bill continue to enjoy the security of knowing that even if the cancer returns, they’ll still be mortgage-free.

Get started

Trauma cover is available if you’re aged between 15–60 (with some cover, this extends to age 65). Speaking to a financial Adviser will help you to decide the right level of cover for you. They’ll be able to tailor trauma cover to meet your needs, and advise on the best options.

To qualify for a payment, you must suffer from one of the health conditions as defined in the policy document.

Over 50 medical conditions and procedures can be covered, depending on the type of cover you choose. The range includes:

  • Heart disorders - including heart attack2, coronary artery bypass surgery2, heart valve surgery, primary pulmonary hypertension, surgery of the aorta, angioplasty triple vessel2, cardiomyopathy and out of hospital cardiac arrest.
  • Cancer - including malignant tumours and other specified cancer conditions.
  • Nervous system disorders - including stroke2, Multiple Sclerosis, Parkinson’s disease, Alzheimer’s disease and other dementias, Motor Neurone disease, hemiplegia, Creutzfeldt- Jakob disease, muscular dystrophy and meningitis.
  • Accidents - including loss of limbs and/or sight, paraplegia, quadriplegia, Diplegia, major head injury and severe burns.
  • Body organ disorders - including advanced diabetes2, major organ transplant, chronic kidney failure, chronic liver and lung disease, encephalitis, blindness, coma, deafness, loss of speech, pneumonectomy and benign brain or spinal cord tumours.
  • Blood disorders - including aplastic anaemia, occupationally and medically acquired HIV/AIDS infection.

In some cases, cover depends on the severity or stage of the particular condition. For more specific information about conditions that are covered, talk to an Adviser.

You can feel confident with protection from AMP Life. Because serious illness can happen to anyone, AMP Life was there for our customers who experienced a significant illness or trauma in 2019:

  • We paid out over $21 million in trauma claims to New Zealanders;
  • An average monthly payment of $98,000 per claim.

We make the claims process simple

We know that making a personal insurance claim often comes at a stressful and traumatic time. That’s why we have a team of experienced, caring case managers who will support you and keep you updated throughout the process.

Our aim is to make the claims process as easy and clear as possible.

How to make a claim

If something happens and you need to make a claim, get in touch with us as soon as possible. We’re here to help and can talk you through the different options available to you.

You can get in touch by phone, online, email or post and we'll help you with the information required.


Notify AMP Life of your Death claim, all other Personal Insurance claims via this online notification.

Learn more about the personal insurance claims process.

Life, trauma, income protection and disability claims
(Includes business claims that relate to personal injury/illness)

0800 267 425

Monday to Friday
9:00am - 5:00pm

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Important information

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1. The story is true. Names have been changed to protect individual privacy.

2. Conditions subject to a Ninety Day Waiting Period from the time the policy is issued.

This information provides a general summary of the key features of the products described and is subject to change without notice. Terms, conditions, criteria, definitions and exclusions apply as set out in the relevant policy document and schedule. In addition, waiting periods, qualifying periods, no claims periods, and/or survival periods may apply. Full details are set out in the policy document and schedule, which is available on request. Applications for cover are subject to approval by AMP Life Underwriting. 

The content on this website is for information only. The information is of a general nature and does not constitute financial advice or other professional advice. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances. While care has been taken to supply information on this website that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission.

A disclosure statement is available from your Adviser, on request and free of charge.