Trauma Insurance

Trauma cover provides a lump sum payment should you suffer one of the covered conditions.

Covered conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma cover is designed to help alleviate this financial impact. You can choose to use the lump sum to reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or enable business ownership to be restructured. Free cover for children is provided by most quality policies to age 19, up to certain limits.

Trauma insurance can make up a shortfall in income protection of 25% should a long-term claim occur.

Quality policies also include total and permanent disablement (own occupation) and very importantly, guarantee updates when improved coverage is introduced in a new policy. Existing policies are automatically backdated for existing policy holders to ensure policies do not become obsolete. Free automatic coverage for children is also provided by some insurers.

Other benefits provided by a quality trauma policy include but are not limited to:

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