Trauma Insurance

Trauma Insurance

Trauma insurance pays you a lump sum in the event that you are diagnosed with a specified illness.

There are up to 45 major illnesses – depending on the insurer – including (but not limited to) cancer, heart attack, stroke, etc.

List Of Common Traumas That Can Be Covered

Alzheimer’s Disease

Burns – Server/Major





Liver Disease – Chronic

Loss of Speech

Major Organ Transplant



Life Cover – Death Benefit

Out of Hospital Cardiac Arrest

Peripheral Neuropathy

Aplastic Anaemia


Coronary Artery Angio


Heart Attack

HIV – Occupational Acquired

Loss of Independence Existence

Lung Disease – Chronic

Motor Neurone Disease

Parkinson’s Disease


Total & Permanent Disability

Benign Brain Tumour




Coronary Bypass Surgery


Heart Valve Surgery

Kidney Failure – Chronic

Loss of Limbs or Eye

Major Head Trauma

Multiple Sclerosis

Pulmonary Hypertension

Terminal Illness

Aortic Surgery

HIV – Accidental Infection


Trauma insurance is designed to give you money when you need it most.

The specific purpose of trauma cover is to provide for medical treatment, child care and debt management.

The benefit on a trauma policy is paid to you when the diagnosis is confirmed.  This is important because it provides you and your family with a lump sum to use at your discretion at the time when it is most needed.  The funds will enable you to cover such expenses as additional medical care or repay the mortgage to relieve the financial pressure on the household.

Bridging The Gap

Trauma insurance is the most frequently claimed and benefits are paid when other insurance may not be paid out.

For example, if you were to suffer from cancer and were to be off work for a couple of years due to chemotherapy effects, stress etc., your life insurance would not pay out and your TPD insurance would not pay out because you will return to work one day. However your trauma insurance would give you that lump sum payment to ease the financial pressures of not working.

Because Trauma cover is the most frequently claimed it is also the most expensive insurance product.