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Progressive Care

Progressive Care is a new type of trauma insurance. Unlike traditional products which only pay out a single lump sum, Progressive Care can pay out more than once, as the payments are linked to the severity of a condition.

Special Offer for March

Cash Bonus when you apply for cover online. Details
New World gift card when your policy is issued. Details
Discount for Life Cover + one other benefit. Details

What is Progressive Care?

Progressive Care is a policy which pays a non-taxable lump sum benefit if you develop any one of 60+ specified medical conditions. The benefit amount ranges from 10% to 100% of the cover under the policy, based on the severity of the condition. The policy enables multiple benefit payments.

You never know when you might be afflicted by a serious medical condition. And it's not just your health you need to worry about – What about the financial impact it could have on you or your family?

Get covered and protect yourself today with Sovereign TotalCareMax Progressive Care.

  • More than 60 medical conditions covered.
  • Severity-based, lump sum payment on diagnosis of condition.
  • Multiple benefit payments possible.
  • 24 x 7 worldwide cover – No Country Exclusions.
  • 3-yearly increases in cover available with no medical.
  • Future policy enhancements automatically included.
  • Free interim cover while your application is being processed.

Covered Medical Conditions

Progressive Care covers 62 medical conditions across 5 categories:

Heart and Arteries

1.Coronary artery bypass graft
3.Aortic surgery
4.Minor heart valve surgery
5.Defibrillator insertion
6.Pacemaker insertion
7.Heart attack
8.Out-of-hospital cardiac arrest
10.Congestive cardiac failure
11.Severe peripheral vascular disease
12.Heart valve surgery


13.Malignant tumours
14.Prostate cancer
15.Malignant melanoma
17.Urinary bladder cancer
18.Hodgkin’s lymphoma
19.Non-Hodgkin’s lymphoma
21.Malignant brain tumour
22.Benign brain tumour
23.Aplastic anaemia
25.Bone marrow or stem cell transplant
26.Transplant waiting list for bone marrow transplant
27.Myelodysplastic syndrome

Brain and Nerves

29.Multiple sclerosis
30.Alzheimer’s disease
31.Muscular dystrophy
32.Parkinson’s disease
34.Motor neurone disease
35.Major head trauma
37.Peripheral neuropathy

Loss of Function

39.Paralysis – Diplegia
40.Paralysis – Hemiplegia
41.Paralysis – Paraplegia
42.Paralysis – Quadriplegia/Tetraplegia
43.Loss of independent existence
44.Loss of sight
45.Loss of hearing
46.Loss of speech
47.Loss of limbs
48.Severe burns
50.Intensive care benefit

Other Health Events

51.Chronic liver failure
52.Chronic lung failure
53.Chronic kidney failure
54.Acute renal dialysis
55.Severe ulcerative colitis
56.Severe Crohn’s disease
57.Primary pulmonary hypertension
58.Major organ transplant (or waiting list)
59.Type 1 diabetes mellitus
60.Chronic obstructive pulmonary disease
62.Advanced AIDS

Policy Features

Sovereign TotalCareMax Progressive Care includes all the following great features:

Rock-Solid Backing

The policy is underwritten by Sovereign, New Zealand’s largest life insurer. Sovereign has an A+ (Superior) financial strength rating from A.M. Best Company, the highest rating of any life insurance company in New Zealand.

60+ Conditions Covered

Progressive Care covers more than 60 medical conditions across 5 categories – Heart and Arteries, Cancer, Brain and Nerves, Loss of Function and Other Health Events.

Severity-Based Payments

Receive a benefit payment based on the severity of your condition. You could claim 10%, 25%, 50%, 75% or 100% of the sum insured in each category.

Multiple Claims

Unlike traditional products, you can make additional claims if your condition gets worse, you suffer from a more severe, related condition, or you suffer from a new condition.

Lump Sum, Tax-Free Benefits

Any and all benefits payable under your trauma insurance policy are paid as tax-free lump sum benefits under current legislation, directly to the policy owner.

24 x 7 Worldwide Cover

Whether you’re at home, or travelling or working anywhere overseas for any period, you remain insured for every medical condition which is specified.

Benefit Increase Facility

You can increase the amount of cover every three years by up to 20% of the original cover, without any medical examinations, tests or questions. An increase in premium applies. Terms apply.

Guaranteed Enhancement

If any change is made to the underlying policy in the future, and that change would be favourable to you, then guaranteed enhancement means that the change will automatically be applied to your policy.

Free-Look Period

If at any time during the 15 days following receipt of your policy you don’t wish to continue with your cover (for whatever reason at all), you can return your policy for a full refund of all premiums paid.

Customer Guide

Download or view the customer guide:

Progressive Care Customer Guide PDF

Progressive Care Customer Guide

Want to Know More?

Check out the FAQs for answers to frequently asked questions.

View or download a copy of the policy wording.

(Superior) Financial Strength Rating from A.M. Best Company, Inc. Rating scale

Special Offer

New World Promotion

Apply online today to be eligible for a 25% Cash Bonus, a $100 New World Gift Card (minimum premium required) and 3x Airpoints Dollars™.
25% Cash Bonus details
$100 New World Gift Card details
3x Airpoints Dollars™ details

Plus, get a 10% Discount every year for any policy which includes either Life Cover for two people or Life Cover for one person plus at least one other eligible benefit (minimum cover and premium criteria apply).
Life + One 10% Discount details

Important Information

  • The above identifies and provides a brief summary only of the principal benefits under the policy. Please refer to the policy wording, including the policy appendix and schedule, for full details of all the benefits and the terms and conditions under which they are provided.