Tātaitai Inihua TPD me Pā Mate Nui
Whakatauria ngā utu inihua TPD me Trauma i NZ.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā utu inihua TPD me Trauma mai i Partners Life, AIA, Asteron. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā inihua TPD me Trauma NZ
Utu tohu 2026- •Trauma noa: $100,000-300,000
- •TPD noa: $200,000-600,000
- •Ngā mate ka kapi: 40+ mate
- •Pikinga stepped: ~5× i te 20 tau
- •Utu level: +65% i te tīmata
- •Ngā kaituku: Partners Life, AIA, Asteron
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. Kaua e whakawhirinaki ki ēnei hua hei tohutohu pūtea, tāke, ture rānei. E ai ki ngā raraunga tūmatanui a te IRD, ā, ka huri pea. Me kōrero ki tētahi kaitohutohu pūtea tohu mō ōu āhuatanga ake.
Me pēhea te utu TPD me Trauma
Utu = kawenga × reiti pakeke × loadings.
- 1
Reiti tūāpapa
Tūāpapa = reiti pakeke
Trauma he ~2× TPD.
- 2
Loadings kai-paipa
Loading = ×2.1 mēnā kai-paipa
Me whakaatu tika.
- 3
Hanga utu
Loading_level = ×1.65
Stepped: tīmata māmā, ka piki.
- 4
Utu ā-tau
Ā-tau = (kawenga ÷ 100k) × tūāpapa × × 12
Ka tāpiri loadings ki ngā mate.
Tauira
Tāuru: Trauma $200k, 35-39 tāne
Hua: ~$55/marama.
Ngā Pātai Auau
He aha te rerekētanga o Trauma me TPD?
Stepped, level rānei ngā utu?
Ka taea te hoko TPD/Trauma mā KiwiSaver?
He aha ngā mate ka āhei mō TPD me Trauma?
Ka whakatau tēnei tātaitai i ngā utu inihua TPD me Trauma (māuiui taumaha) o Aotearoa mā te pae tau, te ira tangata, te kai paipa, me te hanganga utu — ngā kaupapa moni-tōpū ka utu i te whakataunga māuiui, kaua i te matenga.
Me pēhea te mahi a tēnei tātaitai
Ka utu te kapi Trauma i te moni tōpū i te whakataunga o tētahi māuiui taumaha kua rārangitia — 40+ ngā māuiui i te nuinga o ngā kaupapa here o Aotearoa, tae atu ki te matepukupuku, te hē manawa, me te ikura roro — ā, ka utu te TPD mēnā ka kore rawa koe e āhei ki te mahi. Ka utua ngā utu mō ia $100,000 o te kapi mai i ngā ripanga pae-tau; tōna rearua te utu o te Trauma i te TPD i taua pakeke, he auau ake hoki ngā kerēme. E rua ngā whakarea nui. Ka tata rearua te kai paipa i te utu. Ko te hanganga utu te kōwhiringa rautaki: he iti te tīmatanga o ngā utu piki (stepped) engari ka piki ia tau — tōna rima whakarea i waenga i te 35 me te 55 — ko ngā utu papatahi (level) he 65% nui ake i te tīmatanga engari ka mau, ka whakawhiti i roto i te 10-15 tau. Ka utua e te tātaitai ngā mea e rua kia kitea ai te whakawhitinga mō tō pakeke. He āpiti ēnei kaupapa ki te tiaki moni whiwhi: ka utu te Trauma i te moni kotahi mō ngā utu whakaora me te whakaheke nama, ahakoa ka hoki koe ki te mahi.
Ngā tawhā mākete TPD me Trauma
| Kapi Trauma | $100,000 - $300,000 moni tōpū |
| Kapi TPD | $200,000 - $600,000 moni tōpū |
| Ngā māuiui Trauma | 40+ (matepukupuku, hē manawa, ikura roro...) |
| Reiti tohu (tāne 35-39) | ~$330/tau mō ia $100k, piki |
| Tāpiri kai paipa | ~×2.1 |
| Tāpiri utu papatahi | ~×1.65 i te tīmatanga |
| Pikinga utu-piki 35→55 | ~5× |
He reiti tohu; ka whakatikaina mō te hauora me te mahi.
Ngā Tauira Mahia
Kapi Trauma $200,000, tāne 35-39, kāore he paipa, utu piki
Utu ≈ $660/tau (tōna $55/marama) — engari tōna 5× ā te 55.
- Reiti: ~$330 mō ia $100,000 i te 35-39
- Kapi: $200,000 → 2 × $330 = $660/tau
- Hanganga piki: ka piki te utu ia huritau
Ko taua kapi anō i ngā utu papatahi
≈ $1,089/tau mai i te rā tuatahi — papatahi mō ake, he iti ake te tapeke mēnā ka mau i tua atu i te ~12 tau.
- Tūāpapa piki: $660/tau
- Tāpiri papatahi ×1.65: $660 × 1.65 ≈ $1,089/tau
- Ka eke te piki ki te ≈ $3,300/tau ā te 55 (5×), ka mau te papatahi ≈ $1,089
- Ka whakawhiti i roto i te 10-15 tau — ka toa te papatahi mō te wā roa
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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