LifeCare Insurance

Covers death and terminal illness.

  • Comprehensive options for critical condition, disability cover and redundancy.
  • Full cover from the moment your policy is issued
  • Free Bereavement Support benefit up to $5000
  • Collect Fly Buys Points1

More detail

Looking after the people who depend on you

LifeCare is designed to help look after the people who matter the most in your life. If you have family who depend on you, what would happen to them if you become seriously ill, had a bad accident or died? LifeCare helps provide the reassurance they need. A claim payment could be used to help pay loans, living expenses, the cost of medical treatment, funeral expenses, future education costs and more.

Pick and choose the cover you need

From a base of death and terminal illness cover, you can apply for other options to help create all-round protection, so that you'll always have protection that fits.

Standard covers

  • Death and terminal illness cover provides a lump sum payment if you die or become terminally ill. It can make a big difference to your family because it pays a lump sum that can be used for anything.  Funeral expenses, loan repayments and living expenses are some examples of how it could help
  • Bereavement Support benefit helps with immediate expenses by providing an advance payment of $5000 if the person insured dies
  • Child Death Cover benefit. To make things easier at a traumatic time, this benefit provides an immediate payment of $2000 if a child of the person insured dies in an accident aged between 3 and 10 years

 Optional covers

  • Critical Condition benefit provides a lump sum if the person insured suffers a serious illness like a heart attack or cancer. The money can be used for any purpose – from rehabilitation to a well-deserved holiday
  • Permanent Disability benefit pays a lump sum if you become permanently disabled and are unable to work again. It helps takes the financial pressure off your family at a difficult time
  • Temporary Disability benefit, debt protection cover that helps pay your loan repayments for up to two years if you are unable to work due to disability
  • Redundancy benefit, debt protection cover that can help take care of loan repayments if you are made redundant

 Earn Fly Buys1 Points

You can collect Fly Buys1 points based on the premium you pay. Premiums can be paid fortnightly, monthly or annually.

Interim death by accident benefit

BNZ LifeCare provides up to $500,000 cover for accidental death while your application is being processed.

30-day no risk trial period

If you change your mind and cancel your policy within 30 days of taking it out, you'll get a full refund of the premiums you've paid.

Help support Plunket

We applaud the way Plunket is giving New Zealand kids the best start in life. That's why we donate $10 to Plunket for every new LifeCare insurance customer2.


Terms and conditions

Need some help?

Enquire onlineFind a store 0800 808 648

Small print

  1. Fly Buys terms and conditions apply.  Fly Buys points collection, conversion and redemption rates are subject to change without notice.
  2. The $10 donation to Plunket is made for each new LifeCare customer whose policy is in-force for longer than the 30-day free look period.

This is only a summary of LifeCare insurance. Please read the LifeCare general terms and conditions for full details of the definitions, benefit payments and exclusions. Restrictions and underwriting conditions may apply.

Claims will not be paid if exclusions set out in the relevant policy schedule and general terms and conditions apply. It is important that you check to see if any of these exclusions apply.

LifeCare is underwritten by BNZ Life Insurance Limited ("BNZ Life"). LifeCare is not an obligation of Bank of New Zealand. The obligations of BNZ Life are not guaranteed by its related companies, including National Australia Bank Limited and Bank of New Zealand, or any other parties. Bank of New Zealand arranges LifeCare as an agent for BNZ Life and receives commission on any policies it arranges.

The information and recommendations on bnz.co.nz are provided for general information purposes only. To the extent that any such information or recommendations constitute financial advice, they do not take into account any person’s particular financial situation or goals. We recommend that you seek advice specific to your circumstances from your financial adviser.