Trauma Insurance

Financial Support When Serious Illness Changes Everything

What Is Trauma Insurance?

Support When You Need It Most

Trauma insurance is designed to provide a lump sum payment if you’re diagnosed with a specified serious medical condition covered by your policy, such as certain cancers, heart attacks or strokes. The payment can be used however you choose, whether it’s for medical expenses, mortgage repayments, household bills or taking time off work.

Having trauma insurance may help reduce financial pressure during recovery, allowing you to focus on your health and wellbeing instead of worrying about day-to-day expenses.

Financial support during recovery
Flexibility to use the payment as needed
Help manage medical and living expenses
Protection for you and your family
Personalised advice from experienced advisers

Who Can Benefit

Who Should Consider Trauma Insurance?

Trauma insurance may be suitable for people who want additional financial protection if they’re diagnosed with a covered serious illness.

Parents

Help maintain financial stability while focusing on treatment and recovery.

Homeowners

Help manage mortgage repayments and household expenses during difficult times.

Self-Employed

Support your finances if you’re unable to work because of a serious illness.

Working Professionals

Protect your lifestyle and financial commitments while you recover.

Covered Conditions

Serious Conditions Commonly Covered

Coverage varies by insurer and policy. The examples below are common conditions that may be covered, subject to policy terms, definitions and exclusions.

Heart Attack

Some trauma policies provide a benefit following diagnosis of a qualifying heart attack as defined in the policy.

Stroke

Financial support may be available following a qualifying stroke, subject to policy conditions.

Cancer

Many policies cover specified cancers that meet the insurer’s medical definitions.

Major Surgery

Certain serious surgeries may qualify for a trauma benefit depending on the policy.

Critical Illness

Some policies include a range of specified critical illnesses beyond the most common conditions.

Additional Conditions

Every insurer is different. We’ll help you compare policy features and covered conditions.

Simple Process

Getting Trauma Insurance Is Easy

STEP 1

Talk to an Adviser

We’ll learn about your financial situation, family needs and protection goals.

STEP 2

Compare Options

Review trauma insurance options from trusted providers and understand key differences.

STEP 3

Choose Your Cover

Select a level of protection that suits your needs, lifestyle and budget.

STEP 4

Stay Protected

Receive ongoing support and review your cover as your circumstances change.

Why Consider Trauma Insurance

Helping You Focus on Recovery, Not Financial Pressure

Lump Sum Payment

Use the payment in the way that best supports your recovery and financial commitments.

Manage Household Expenses

Help cover mortgage repayments, bills and other ongoing living costs while you recover.

Support Your Treatment

Use funds for rehabilitation, travel, specialist consultations or additional care if needed.

Greater Peace of Mind

Knowing you have financial support can help reduce stress during challenging times.

Real Life Examples