Trauma Cover
Overview (注：汉语翻译仅为总结、提示和摘要性翻译，而非直面翻译, 仅供参考。请阅读英文以获得全面理解)
Trauma Cover
Trauma Cover provides a lump sum payment should you suffer one of the covered conditions. Covered conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income, or enable business ownership to be restructured, among other things. The purpose of the funds is entirely yours to decide. (重大疾病险为患有以下列表中疾病之一者支付一次性赔偿金额。所保险之症状就其本质是严重的，且有危机生命之风险，对被保人会带来重大经济负担。该保险起到舒缓此经济负担之作用。赔偿金额可用于抵债、购置特殊器械、改造居所、额外护理、设立投资基金、生意所有权重组等。总之，被保人自行安排资金用途。
Early payment of Life Cover benefit or a benefit on its own
You have the choice to select accelerated Trauma Cover which means in the event of a claim all or part of your Life Cover benefit is paid out. Alternatively, you can select a stand-alone benefit which pays a lump sum that does not reduce any other benefit you might be covered for. The accelerated benefit option is less expensive than the stand-alone benefit option. 两种选择：一种是促进性重症险，即在发生索赔时，冲抵部分或全部生命险之保险金额。另一种是独立重症险，索赔时全额支付，不抵消其他保险所得。因此，前者保费比后者便宜。
Buying back claimed benefits （回购保险额）
You can purchase an additional Life Cover buy back option which allows you to buy back any Life Cover which is reduced by an accelerated trauma claim, provided the life assured survives twelve months following the claim (or, for certain conditions, six months following the claim). You can also purchase an additional Trauma Cover buy-back option which allows you to repurchase the Trauma Cover that has been claimed, provided that the life assured survives twelve months following the claim. 购买一份生命险回购选择权：如果生命险持有人在索赔后存活一年的，（部分症状存活半年的），有权回购因重症索赔所冲抵部分。也可购买一份重症回购选择权： 如果重症患者索赔后存活一年的，有权再次买回已经索赔过的重症险。
Premium options 保费选择
You have two premium options to choose from for your Trauma Cover:
Yearly renewable term – Your premiums are based on your current age and sum insured and are adjusted each year on your policy anniversary. 按年更新。
5% stepped 10 year – Premiums are averaged and then guaranteed to only increase by the fixed 5% step on every anniversary during each 10 year period. Premiums otherwise only change in line with any changes to your sum insured during each 10 year period. 每年按5%增加，10年为一周期。
Covered Trauma conditions
Alzheimer’s Disease or Dementia 老年性痴呆 Angioplasty 血管整形
Aortic Surgery 主动脉手术 Aplastic Anaemia 再生障碍性贫血
Benign Brain Tumour 良性脑肿瘤 Benign Spine Tumour 良性脊椎瘤
Blindness 失明 Cancer 癌症
Cardiomyopathy 心肌病 Chronic Kidney Failure 慢性肾功能衰竭
Chronic Liver Failure 慢加肝衰竭 Chronic Lung Failure 慢加肺衰竭
Coma 昏迷 Coronary Artery Surgery 冠状动脉手术
Creutzfeldt-Jakob Disease (CJD) 海绵状脑病 Deafness 耳聋
Diabetes 糖尿病 Encephalitis 脑炎
Heart Attack 心脏病 Heart Valve Replacement 心脏瓣膜置换
HIV – medically or occupationally acquired 人体免疫缺损病毒
Intensive Care 重病特别护理 Loss of Independent Existence 丧失生活自理能力
Loss of Limb and Sight 丧失肢体和视力 Loss of Limbs 丧失肢体
Loss of Speech 失语症 Major Burns 嚴重燒傷
Major Head Trauma 严重头部创伤 Meningitis 脑膜炎
Motor Neurone Disease 运动神经元病 Multiple Sclerosis 多发性硬化症
Muscular Dystrophy 肌肉萎缩症 Open Heart Surgery 心脏直视手术
Organ Transplant 器官移植 Out of Hospital Cardiac Arrest 院外心脏停搏
Paralysis 瘫痪 Parkinson’s Disease 帕金森病
Peripheral Neuropathy 外周神经病 Pneumonectomy 肺切除术
Stroke 中风 Primary Pulmonary Hypertension 原发性肺动脉高血压
Terminal Illness 晚期疾病 Severe Inflammatory Bowel Disease 严重炎症性肠病
Systemic Sclerosis 全身性硬化症 Total and Permanent Disability 永久残疾
Diagnosis assistance 诊断期间之补偿
To meet the claim criteria for a number of the covered conditions a life assured will have suffered a significant level of impairment. There can be a significant period of time between the first diagnosis of the condition and the full payment criteria being reached. The insurer recognises that there can still be a degree of financial strain when a serious diagnosis is made. To assist with this financial strain for the indicated conditions, we will pay a portion of the Trauma Cover benefit early upon diagnosis, with the balance being paid if and when the full payment criteria is reached or another trauma is suffered. （注：某些疾病之诊断经久耗时，为舒缓患者经济困难，被保人将获得保险额的25%直至10万元。剩余款项待满足付款条件，或出现另一种重症时支付）
The diagnosis benefit is 25% of the Trauma Cover up to a maximum of $100,000.
Covered Diagnosis conditions (包含下列疾病之诊断)
Alzheimer’s Disease or Dementia 老年性痴呆 Angioplasty 血管整形
Blindness 失明 Cancer 癌症
Cardiomyopathy 心肌病 Chronic Kidney Failure 慢性肾功能衰竭
Chronic Liver Failure 慢加肝衰竭 Chronic Lung Failure 慢加肺衰竭
Deafness 耳聋 Heart Valve Replacement 心瓣膜更换手术
Loss of Limbs 丧失肢体 Loss of Speech 失语症
Multiple Sclerosis 多发性硬化症
Partial payments 部分付款
You are also covered for a number of chronic conditions under Trauma Cover which can be life changing but are not usually immediately life threatening at diagnosis. For these chronic conditions listed below you will receive a partial payment of 25% of the Trauma Cover up to a maximum of $100,000. Any partial payment will reduce the remaining Trauma Cover by the amount that has been paid to you. 以下慢性病患者可获保险额25%直至10万元。
Adult Onset Insulin Dependent Diabetes 胰岛素依赖性糖尿病
Aneurysm 动脉瘤 Colostomy 结肠造口术
Hydrocephalus 脑积水 Ileostomy 回肠造口术
Lupus 狼疮 Minor Burns 轻度烧伤
Severe Osteoporosis 严重骨质疏松症 Severe Rheumatoid Arthritis 严重风湿性关节炎
Cover for your children 含盖儿童保险。You have automatic Trauma Cover of $50,000 for each of your children, from 4 months old until their nineteenth birthday, which is payable in addition to your Trauma Cover. This cover can then be converted into a full benefit without medical assessment within 90 days of your child’s nineteenth
birthday. 对4个月起至19岁之每一位子女自动有5万元重症险保险额。
Bringing you home （支付回国治疗费用，包括本人及一名陪护）
If you have been working overseas for more than three months when you suffer a trauma and you wish to return home, your Trauma Cover includes a return to home benefit which will reimburse you for the costs of bringing yourself and a companion home to New Zealand (up to certain limits).
Treatment away from home 支付异域治疗十日内交通住宿费用
If your recommended treatment has to happen outside of your home town, then your Trauma Cover includes a support person accommodation and transport costs benefit which will reimburse you for up to ten days accommodation costs and all transport costs for your support person (up to certain limits).
Expert assistance (财务及法律咨询费用 2500元，不扣抵重症险)
If you or your family would like assistance with managing the proceeds of a Trauma Cover claim, your Trauma Cover provides a financial and legal advice benefit which reimburses the costs of a financial planner and/or lawyer up to a maximum of $2,500, which is payable in addition to your Trauma Cover.
Special events increases 特殊事项增加保额，无须进一步体检
A number of life events can trigger a need to increase your Trauma Cover. The special events increase benefit allows your Trauma Cover to be increased (within limits) without further health assessment for the following life events:
Marriage or civil union 结为伴侣 ; Divorce or legal separation 离婚或分离; Becoming full-time carer for a dependent relative 全职看护需照顾之人; Birth or adoption of a child 小儿出生或领养; An increase in annual salary 年度收入增加; Taking out or increasing a mortgage 申请或增加房屋贷款; A dependent child starting full time tertiary study 子女求学
Future proofing the value of your benefits
To ensure your Trauma Cover can continue to deliver the same real value to you as when you first purchased it, your Trauma Cover will automatically increase by inflation each year. These increases apply irrespective of any changes to your health after your Trauma Cover starts. You also have an option to set a minimum inflation rate of 5% so even when the inflation rate falls below this level your Trauma Cover will still increase by 5%. Of course, if your Trauma Cover does increase by inflation, so will your premiums. You can choose to decline any increase in any given year without losing the automatic increase in following years, so you really have the best of both worlds – automatic rights to increase with no obligation to do so. （保额和保费跟随通胀自动调整）
Optional increase benefit （增加保额选择权）In addition to the increase options under the special events benefit and automatic inflation adjustments, you can also purchase a future insurability option which allows further increases to your Trauma Cover each year without further assessment (up to certain limits).
Increasing loyalty discount over time 忠诚度保费折扣直至10%
The discounts that apply start from the 2nd anniversary and increase each year by 1% until reaching 10%.
A premium holiday is available to you to provide financial relief during difficult times without losing your valuable cover. This Protection Plan provides up to six months of free Trauma Cover, while you rearrange your financial affairs. Alternatively your premiums and cover may be suspended for up to twelve months if you need temporary financial relief due to overseas travel, parental leave, extended periods of leave without pay or even if you decide to embark on some full-time study. At the end of the suspension period you can restart your Trauma Cover without being reassessed. （保费止付假期）
Keep your Protection Plan up to date. The insurer guarantees to automatically apply any future enhancements we make to the Trauma Cover benefit to your policy, provided there is no additional premium required for those enhancements. (保险计划随产品更新而更新)
Worldwide cover （效力无疆域限制）Your Trauma Cover is valid wherever you may be in the world.
Please contact your adviser:
Patrick Wang 027 263 7878; 09-8272256; patwang88@hotmail.com