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Trauma insurance is designed to pay you a lump sum to manage the financial impact if you or one of your children were to face a serious, defined medical condition.
The Trauma claim payment enables you to take care of personal household expenses, medical treatment and rehabilitation costs, or simply allows you and your family to focus on recovery instead of worrying about work or your finances.
Receive a lump sum to use where it’s needed most, whether it’s covering your mortgage, funding treatment and rehab, managing everyday expenses or bridging lost income. Whether you are at home, travelling or living overseas for any period, you remain insured with worldwide cover.
Optional Benefits:
Early cancer upgrade
Covers costs for several minor cancer conditions that are treatable and non-life-threatening, and at the early stages of a diagnosis.
Critical Conditions Trauma buy-back
Enables you to reinstate your level of cover under your original Critical Conditions Trauma policy, without having to provide further medical information.
Total permanent disablement condition
You can include an additional claimable condition that provides cover if you were to become permanently disabled and are unable to work because of an accident or illness.
Facing a serious health diagnosis is challenging enough without the added weight of financial stress. Trauma Cover (often called Critical Illness insurance) is designed to provide you with a one-off tax-free lump sum payment if you are diagnosed with a specific, life-altering medical condition.
Unlike Health Insurance, which covers medical bills, this payout is yours to use to meet any personal, family or medical expenses—giving you the freedom to focus entirely on your recovery.
Why Choose Trauma Cover?
- Complete Flexibility: Use the funds to pay off your mortgage, cover specialist treatments not available publicly, or fly in family for support
- Bridge the Income Gap: If you or your partner needs to take an extended time off work, the lump sum helps maintain your lifestyle and pay the bills
- Access to Better Care: Fund private rehabilitation, home modifications, or experimental treatments that might otherwise be out of reach
What's Typically Covered?
Most policies cover over 40 major medical conditions, including:
- Cancer
- Heart attack
- Stroke
- Major organ transplant
- Multiple Sclerosis
The Goal: To provide immediate financial breathing room so you can make choices based on your health, not your bank balance.
How Much is Enough?
The right amount of cover depends on your debt levels, your monthly expenses, and your "safety net" goals. Even a modest amount of cover can make a massive difference during a crisis.
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