Safeguarding employees’ health and wellbeing

With drivers such as improving workplace safety, morale and engagement and improving productivity, health and well-being initiatives are becoming increasingly popular.

Chubb is pleased to present its Group Critical Illness & Injury product with the aim to deliver an additional option for employers. Group Critical Illness & Injury Insurance is a product providing cover for events such as diagnosis of diseases including but not limited to cancer, kidney failure, heart attack, stroke and paralysis.

The product includes additional cover not available under any Group Critical Illness products currently in the market.

What does critical illness & injury insurance cover?

Cover exclusions

We will not pay a Funeral Expenses lump sum benefit if:
  • A Covered Person does not fall within the Age Range Of The Covered Persons at the time of their death.
Exclusions apply to the benefits available under the policy. For example, We will not pay a Critical Illness or Injury lump sum benefit if:
  • A specific Critical Illness or Injury occurred during the Waiting Period; or
  • A Covered Person has been diagnosed with a condition or has undergone a surgery and then survives for a period of less than fourteen (14) days after the diagnosis or surgery; or
  • A Critical Illness or Injury benefit has already been paid or accepted during the Period of Insurance.
We will not pay a Temporary Total Disablement benefit to the extent a benefit is payable under ACC or if the Temporary Total Disablement directly or indirectly results from:
  • Any Pre-Existing Medical Condition, any Mental Health Condition or pregnancy/childbirth;
  • A Covered Person training for an/or participating in a Professional Sport; or
  • A Covered Person being under the influence of alcohol or drugs.

Please read the Group Critical Illness & Injury Insurance Policy Wording for full details of the exclusions, as well as the terms and conditions that apply under the Policy.  Please also refer to the Critical Illness Fact Sheet.

Capitalised terms on this page are defined in the Policy Wording. For all Policy definitions please refer to pages 11 to 13, 15 to 21 and 24 to 25 of the Policy.

Disclaimer: The Group Critical Illness & Injury Insurance policy is issued and underwritten by Chubb New Zealand Limited Company No. 104656, FSP No. 35924 (Chubb). Any advice on this webpage is general only and does not take into account your personal circumstances, objectives, financial situation or needs of the insured or prospective insured.  The insured and/or prospective insured should consider the terms, conditions, exclusions and limitations of the insurance policy, and obtain financial advice if required, before making any decisions about the policy.

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