Highly Rated Trauma Insurance Policies

Our knowledge base has grown at an exponential rate in the last 100 years. Changes in technology have allowed for medical improvements people living in the 1900's could only dream about.

All of this knowledge means we are able to live better and live longer. Once upon a time cancer or a heart attack may have killed you. While we are still dying from both of these conditions, the survival rate has of course increased dramatically. There are of course negatives in our world of technology.

Labour-saving devices such as e-mail, remote control, automatic pool cleaners, escalators, microwave ovens and voice-activated mobile phones are making us fat ^[1].

Eight out of ten adult Australians are either physically inactive, overweight, have high blood pressure or smoke cigarettes ^[2].

The importance of having a highly rated trauma insurance policy is so clearly apparent. A week doesn’t go by where we aren’t hearing about this person, or that person, falling sick to a host of illnesses prevalent in our society.  Simply read the following statistics for further clarification on what’s happening in Australia today:

• 1 in 2 men and 1 in 3 women will develop coronary heart disease in their life ^[2].
• More than two-thirds of cancers could be prevented by lifestyle changes; ceasing smoking, adopting a good diet and participating in exercise ^[3].

Trauma insurance policies are based on ratings. The higher the rating, the more comprehensive the policy. Lifebroker will only quote you on trauma policies which are at the higher end of the rating scale. It is important to have a comprehensive trauma policy, especially with Australians health rates not looking so well.

Depending on how high your trauma policy is rated, will depend on what is included. The higher your policy is rated, the more comprehensive it will be. If it is a high rating policy, the definition of each illness will be broader, which enables you to make a claim easier.

Talk to an insurance consultant today about taking out a highly rated trauma insurance policy.

Footnotes

^[1]

James WPT. A public health approach to the problem of obesity. International Journal of Obesity. (1995) 19. Suppl.3 S37-S45.

^[2]

Heart, Stroke and Vascular Diseases: Australian Facts 1999, the Australian Institute of Health and Welfare and the Australia Heart Foundation.

^[3]

The Daily Telegraph 03/07/00, p. 85 Survival Instincts.