Police Life Insurance Extra

(previously named Police Supplementary Life Insurance Plan)

Police Welfare Fund Insurances Ltd has arranged for members to purchase Life Insurance cover at very competitive rates. The low cost Life Insurance and Critical Illness cover helps protect your dependants in the event of your death or diagnosis of a critical illness as defined under the policy.

This is a summary of cover only.  Always refer to the Policy wording for full details of the cover provided. 

Life Insurance Cover

Life insurance is to protect you and your family. It creates an asset when needed most - should you die or become terminally ill - providing a lump sum payment and financial security when your family needs it.

Life insurance can be used to pay off your mortgage and other debts, provide for your children’s educational needs and act as a safeguard for your family’s continued financial wellbeing.

Critical Illness Cover

A lump-sum cash payment when you need it most, to ensure that a crisis of health does not become a crisis of wealth.

Critical illness can strike anyone at any time. But these days, a critical illness no longer leads to inevitable death. This means that life cover alone - regardless of how much you may have - can be of no support during the weeks and months of convalescence and recovery. Indeed, many people recover from life-threatening illnesses only to find that their savings are depleted and their earning power is severely reduced. At that point, a health crisis becomes a wealth crisis, adding even more stress to patients and their families. But while no one can predict a health crisis, it is possible to protect yourself from the financial hardship that can follow a critical illness. That's the protection available from Critical Illness cover.

Critical Illness offers vital Financial Cover on the First Diagnosis of a defined Critical Illness.

The following critical illnesses are defined under the Critical Illness cover:

  • Accidental HIV Infection                   

  • Alzheimer’s Disease

  • Angioplasty

  • Benign Tumour of the Brain or Spinal Cord

  • Blindness

  • Cardiomyopathy

  • Chronic Liver Failure

  • Chronic Lung Disease

  • Coma

  • Coronary Artery Bypass Surgery

  • Critical Cancer

  • Dementia

  • Encephalitis

  • Heart Attack (myocardial infarction)

  • Heart Valve Surgery

  • Intensive Care Treatment

  • Kidney Failure

  • Loss of Independence

  • Loss of Use of Limbs / Sight of One Eye
  • Major Burns

  • Major Head Trauma

  • Major Organ Transplant

  • Meningitis / Meningococcal Disease

  • Motor Neurone Disease

  • Multiple Sclerosis

  • Muscular Dystrophy

  • Open Heart Surgery

  • Out of Hospital Cardiac Arrest

  • Paralysis

  • Parkinson’s Disease

  • Peripheral Neuropathy

  • Permanent Loss of Hearing

  • Permanent Loss of Speech

  • Pneumonectomy

  • Pulmonary Arterial Hypertension (Primary)

  • Significant Cognitive Impairment

  • Stroke (resulting in functional loss)

  • Surgery to the Aorta

Critical Illness Cover also offers other Benefits and Options

The costs of surviving a life-threatening critical illness include expensive medical treatment during and after the illness, as well as the costs of specialist care and the vital therapy and convalescence that follows. The exact costs are obviously unknown but you can be certain they will be substantial. On the first diagnosis of one of the many common conditions defined under your Critical Illness Cover, you will receive a lump-sum cash payment - the amount of cover you have selected - that you can use, as you wish, to cover the costs of your medical treatment and recovery. And then you can do whatever you like, with whatever is left, to help achieve the security and peace of mind you deserve. At that point, your Critical Illness cover ends.

A Guaranteed Funeral Benefit

If you should die suddenly during the term of the policy, and if a Critical Illness benefit is not payable, your Critical Illness Cover will provide a guaranteed funeral benefit of $5,000.  The policy document contains explicit and common-sense definitions and exclusions for the stated critical illnesses. Details may be obtained from Police Welfare Fund Insurances Ltd. The standard exclusions, however, are only those you would expect: addiction to liquor or drugs, self-inflicted injuries, and injuries from war.

Your Life Insurance protection and Critical Illness Cover are valid 24 hours worldwide.

To Apply

Applying for cover is as easy as completing a simple application form.


The fortnightly premium can be easily calculated using the Premium Rates chart or you can use our handy online life insurance calculator to help you work out how much life cover you have; how much you might need; and how much this will cost.

Benefit Nomination Form

This form nominates the person(s) to whom the Benefit will be payable, so it is important that if your personal circumstances change, this form is updated and sent to Police Welfare Fund Insurances Limited. A copy of the form can be obtained here.

Withdrawal from the Police Welfare Fund Ltd

If an insured ceases to be insured because they have withdrawn from the Police Welfare Fund Ltd, they may, within one month, apply to AIA and have a policy of insurance issued, for benefits equivalent to those at the time of withdrawal. The individual policy will be subject to the same terms, conditions and premiums being offered by AIA to the general public.

For Claims or Information 

If you have any queries or need to make a claim or contact:

Police Welfare Fund Insurances Limited 
Phone: (04) 496 6800, Police Network 44446
Freephone: 0800 500 122, Facsimile: (04) 496 6819
Level 11
57 Willis Street
PO Box 12344
E-mail: Insurances@policeassn.org.nz

About AIA

Since its arrival in New Zealand in 1981, AIA New Zealand, part of the AIA Group has developed from a niche provider to a market leader of specialist risk management products aimed at protecting the financial health and welfare of New Zealanders. 

AIA New Zealand is a member of the Investment Saving and Insurance Association (ISI), the Insurance Savings Ombudsman Scheme (ISO) and the Health Funds Association of New Zealand (HFANZ).  

AIA New Zealand
Part of the AIA Group.
Level 15, 5-7 Byron Ave, Takapuna, Auckland. 

Phone: (09) 488 8800    Free Phone: 0800 800 242    Facsimile: (09) 488 8801 

This is a summary of cover only.  Always refer to the Policy wording for full details of the cover provided.