{
  "vertical": "funeral",
  "insurer": {
    "slug": "onechoice-funeral",
    "name": "OneChoice Funeral Insurance",
    "brand_family": "onechoice"
  },
  "product": {
    "slug": "onechoice-funeral-cover",
    "name": "OneChoice Funeral Insurance",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2021-05-23",
    "ingested_at": "2026-05-18T12:18:02.901302+00:00",
    "pdf_hash": "0941d93324aaa1a27fa8d19f11996f74dcf6ff70be7995bc2da841fd7ff0e881",
    "source_url": "https://www.onechoice.co.nz/documents/onechoice-funeral-insurance-policy-document.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "During the first 12 months after the Acceptance Date (or reinstatement date), no Funeral Insurance Benefit (or Accidental Death Benefit) is payable for death from any cause other than Accidental Death.",
      "No Funeral Insurance Benefit is payable if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date or within 12 months of the date on which the Policy is reinstated.",
      "Accidental Serious Injury Benefit is not payable if the condition results from: an intentional self-inflicted bodily injury, suicide or attempted suicide.",
      "Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any criminal activities or illegal acts.",
      "Accidental Serious Injury Benefit is not payable if the condition results from: the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for substance abuse, drug addiction or dependence).",
      "Accidental Serious Injury Benefit is not payable if the condition results from: the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving.",
      "Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport).",
      "Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any motor sports as a rider, driver, and/or passenger.",
      "Accidental Serious Injury Benefit is not payable if the condition results from: being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft.",
      "Accidental Serious Injury Benefit is not payable if the condition results from: war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion.",
      "Accidental Serious Injury Benefit cover ends on the Policy Anniversary following the Life Insured's 75th birthday.",
      "Blindness due to cataracts is excluded from the Blindness in Both Eyes definition under the Accidental Serious Injury Benefit."
    ],
    "entry_age_max": 79,
    "entry_age_min": 18,
    "payment_speed": "Claims should be lodged within 120 days of the insured event to assist in reducing delays. No specific payment turnaround timeframe is stated in the policy wording.",
    "max_renewal_age": "Cover continues until the Life Insured's 100th birthday, at which point the Funeral Insurance Benefit Amount (plus Bonus Cover) is paid and cover ends. No age-based renewal cutoff prior to that — cover is guaranteed to continue provided premiums are paid and Policy terms are met.",
    "indexation_rules": "No CPI indexation mentioned. Benefit Amount is fixed as chosen, except that from age 85 a 25% Bonus Cover is automatically added to the Funeral Insurance Benefit Amount in force immediately prior to the Life Insured's 85th birthday, at no additional premium.",
    "premium_structure": "Level premiums — 'Your premiums are level which means they are designed to stay consistent year on year, but will change if you apply to change your cover, or we change the premium rates for your Policy.' Premium is based on age at Commencement Date, Benefit Amount, and Insurance Plan chosen.",
    "guaranteed_acceptance": true,
    "premium_holiday_rules": "'If you are having difficulty making your premium payments, please contact us and we will inform you of the options we can provide to assist you to retain your cover.' No formal premium holiday or pause mechanism is specified in the policy wording.",
    "sum_insured_range_nzd": "Up to a maximum of $30,000 (chosen Benefit Amount specified in Policy Schedule; maximum Funeral Insurance Benefit is $30,000)",
    "waiting_period_months": 12,
    "cooling_off_period_days": 30,
    "accelerated_benefit_rules": "Not applicable — this is a standalone funeral insurance product, not a rider on a life cover policy.",
    "medical_underwriting_rules": "No medical underwriting is required. The policy is available to any New Zealand Resident aged 18–79. There is a duty of disclosure obligation on the applicant, and failure to comply may result in reduced liability or Policy cancellation, but no medical examinations or health questions are referenced as a condition of acceptance.",
    "premium_continuation_rules": "'When a Life Insured reaches age 85, and the Policy is still in force, cover for that Life Insured will continue, and premiums for that Life Insured are no longer payable.' Cover continues until the Life Insured's 100th birthday (at which point the Funeral Insurance Benefit is paid) or until another cover-ending event occurs.",
    "claim_documentation_required": "Claimant must call 0800 005 806 or write/email to lodge a claim and will be sent a form to complete, sign and return. Proof must be provided (at the claimant's or estate's expense) to Pinnacle Life's reasonable satisfaction that the insured event has occurred, supported by one or more appropriate Medical Practitioners (where relevant in the case of an Accident), and all relevant information including any test, examination, or laboratory results must be provided. Pinnacle Life reserves the right to require the Life Insured to undergo examinations or other reasonable tests (including, where necessary, a post-mortem examination) at Pinnacle Life's expense.",
    "accidental_death_cover_from_day_one": true
  },
  "endpoints": {
    "summary": "/api/product/onechoice-funeral/onechoice-funeral-cover/summary.md",
    "wording": "/api/product/onechoice-funeral/onechoice-funeral-cover/wording.md",
    "history": "/api/product/onechoice-funeral/onechoice-funeral-cover/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/facts.json",
  "generated_at": "2026-05-21T09:04:04.924Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}