Skip to main content

Progressive Care

Progressive Care is a 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 July

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
Earn Airpoints Dollars™. 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.
  • Multiple benefit payments possible.
  • 24 x 7 worldwide cover – No country exclusions.
  • Option to increase your cover every 3 years without medical evidence.
  • Future policy enhancements automatically included.
  • Free interim cover while your application is being processed.

Learn More

Covered Medical Conditions


Policy Features

Customer Guide

Policy Wording


Covered Medical Conditions

Progressive Care covers more than 60 medical conditions across 5 categories:


Any malignant tumour
Any prostate cancer
Any malignant melanoma
Any carcinoma-in-situ
Urinary bladder cancer
Non-Hodgkin’s lymphoma
Hodgkin’s lymphoma
Any leukaemia
Any malignant brain tumour
Any benign brain tumour
Any myeloma
Aplastic anaemia
Any bone marrow or stem cell transplant
Transplant waiting list for bone marrow transplant
Myelodysplastic syndrome
CIN-3, VIN-3, PIN-3

Heart and Arteries

Any heart attack
Out-of-hospital cardiac arrest
Coronary artery bypass graft
Aortic surgery
Heart valve surgery
Defibrillator insertion
Pacemaker insertion
Minor heart valve surgery
Severe congestive cardiac failure
Severe peripheral vascular disease

Brain and Nerves

Any stroke
Any dementia and Alzheimer’s disease
Any Parkinson’s disease
Major head trauma
Motor neurone disease
Any multiple sclerosis
Any muscular dystrophy
Peripheral neuropathy

Loss of Function

Paralysis – Diplegia and Hemiplegia
Loss of independent existence
Severe burns/ Major burns/ Serious burns
Any loss of sight
Loss of sight on one eye and one limb
Any loss of hearing
Loss of speech
Loss of limbs
Intensive care benefit
Paraplegia/ Quadriplegia/ Tetraplegia

Other Health Conditions

Chronic liver failure
Chronic lung failure
Chronic kidney failure
Primary pulmonary hypertension
Major organ transplant (or transplant waiting list)
Acute renal dialysis
Chronic obstructive pulmonary disease
Removal of large bowel
Severe osteoporosis
Severe rheumatoid arthritis
Severe ulcerative colitis
Severe Crohn’s disease
Advanced Type 1 diabetes
Type 1 diabetes
Advanced Type 2 diabetes
HIV and advanced AIDS
Systemic sclerosis
Systemic lupus erythematosus
Severe illness or injury

A 3 month stand down period (from the date the Progressive Care Benefit commences) applies to certain conditions. Please refer to the Policy Wording for full details, including when a stand down period applies.


Sovereign TotalCareMax Progressive Care includes a range of benefits designed to support you when you need it most:

Progressive Care Benefit

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

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

Unlike traditional products, your cover will not cease after you make a claim. 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.

Built-in Special Events Increase Facility

You can increase the amount of cover under your policy following certain life events, without any medical questions, examinations or tests. A premium will be applied to the additional cover.

Built-in Future Insurability Benefit

You can increase the amount of cover under your policy at every third policy anniversary date by up to 20% of the original cover (up to a maximum of $200,000), without any medical evidence. An increase in premium applies.

Built-in Financial and Legal Advice Benefit

After you receive your claim payment, get reimbursed for up to $2,500 including GST for financial planning fees paid to an accredited adviser or for legal advice from a legal professional approved by Sovereign.

Built-in Children’s Trauma Benefit

If your child suffers an applicable condition, receive a benefit of 50% of the sum assured (up to $50,000). This benefit provides trauma cover for your children at no additional cost. Payment of this benefit will not reduce the amount of any benefit for you.

Built-in Newborn Children’s Benefit

If your biological child is born with one of five defined congenital conditions and survives for 30 days after birth, receive a benefit of 50% of the sum assured (up to $50,000). Payment of this benefit will not reduce the amount of any benefit for you.

Built-in Return Home Benefit

If you are outside New Zealand and suffer from, for the first time, a covered condition, Sovereign will reimburse the cost of a standard economy flight back to New Zealand for you and one support person, up to a total cost of $10,000.

Built-in Bereavement Support Benefit

Sovereign will pay a Bereavement Support Benefit if a child of yours dies before age 21. A benefit will even be paid if a child of dies prior to birth but after at least 24 weeks gestation and you are the biological mother of the child. If the child is under age 10, the amount payable is $2,000 (the maximum under law), otherwise the amount payable is $15,000.

Built-in Counselling Benefit

Get reimbursed for up to $2,500 including GST for the cost of a psychiatrist or psychologist consultation and/or counselling where the support treatments and/or consultations directly relate to a claim under the Progressive Care Benefit.

Built-in Suspension of Premium Benefit

If you go on parental leave, or go on leave without pay for any reason, you may suspend your cover for up to 12 months. No premium will be payable during the period that the cover is suspended, however no claim will be payable for any condition that occurs during the period cover is suspended.

Built-in Children’s Trauma Conversion Facility

The Built-in Children’s Trauma Benefit can be converted to a standalone Progressive Care Benefit of up to 50% of the original sum assured (up to a maximum of $50,000), without further medical evidence.

Built-in Premium Conversion Facility

At any time before age 65, you can convert all or part of your Progressive Care Benefit from a Rate for Age premium structure to a Level premium structure without needing to produce further medical evidence.

Please refer to the Policy Wording for full details of all benefits and any associated terms and conditions.

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.

Lump Sum, Tax-Free Benefits

Any and all benefits payable under the Progressive Care Benefit 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.

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. Conditions apply.

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.

Please refer to the Policy Wording for full details and any associated terms and conditions.

Customer Guide

Download or view the customer guide:

Progressive Care Customer Guide PDF

Progressive Care Customer Guide

Policy Wording

The Progressive Care policy wording is comprised of the following documents:

TotalCareMax Umbrella Wording PDF

The Umbrella Wording is common to all Sovereign TotalCareMax policies.

Progressive Care Benefit Appendix PDF

The Benefit Appendix is specific to the Progressive Care benefit.

Progressive Care Policy Wording


Check out our FAQs for answers to frequently asked questions.

(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 earn Airpoints Dollars™.
25% Cash Bonus details
$100 New World Gift Card details
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.