Trauma insurance gives you money when you need it most

Trauma cover supports you when you’re diagnosed with a specified trauma, such as cancer.

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Benefits of Trauma Cover

  • Tax-free lump sum payment
  • Get financial help to pay for medical expenses
  • Help manage expenses and debt repayments
  • Claim when diagnosed with a specified illness such as cancer

Do I need Trauma Cover?

1) Medical expenses

Would you be able to cover the excess fees and other medical expenses outside of your health cover if you were diagnosed with a critical illness like cancer?

2) Your debt

Would you be able to cover your mortgage or other debt payments if you were unable to work because of a critical illness?

3) Financial security

Would you be under financial stress if you suffered from a critical illness like a heart attack, cancer or a stroke?

It seems like you might be financially secure if you suffered a critical illness. Are you covered for life insurance?

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You may want to consider trauma insurance for financial peace of mind.

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How much cover do I need?
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Learn more about Trauma Cover

What is trauma insurance?

When you take out trauma insurance, your insurer will pay out a lump sum if you are diagnosed with a specified illness or injury that will have a significant impact on your life, such as a stroke or cancer.

If you are unexpectedly diagnosed with a serious illness or are injured, it can affect your ability to work and provide for yourself and family. The lump sum payment you receive if you need to make a claim on your trauma insurance can provide significant peace of mind during a difficult time.

The set amount that you receive can be used to pay for medical bills outside of your health insurance, debt repayments, transport costs and any additional care that you might need - as well as everyday expenses.

Always carefully read your Product Disclosure Statement before taking out trauma insurance, to ensure that you understand which illnesses and injuries are covered by your policy as it will vary between insurers.

How much trauma insurance cover do I need?

Every person is different, so there’s no one-size-fits-all answer to how much trauma insurance you need. However, having the right amount of cover for your personal circumstances is important. Having too little can mean you are not adequately covered if you need to claim, while too much can mean you’re paying more than you need to in monthly premiums.

When deciding how much trauma insurance cover to take out, you need to consider what your future looks like — for yourself and your family. If you were to become seriously ill or injured and unable to work, would you have enough savings to cover your debts, school fees and mortgage repayments for 3 months, 6 months or more?

You may also have unexpected costs like medical expenses outside of your health insurance, transport costs and specialist treatments.

To learn more, speak to one our insurance consultants on 13 54 33 – we’re here to help.

How can I decide which trauma cover type or product is right for me?

Your choice of trauma cover should reflect your own circumstances and needs. The level and type of cover you need will be based on your current financial and personal situation as well as what you predict you will require in the future.

The right trauma cover for you should take into consideration factors including the conditions the policy covers, your debts, health insurance coverage, any financial dependents and your income.

At Lifebroker we provide you with more information than just price, so that you compare trauma cover products based on a variety of factors such as the amount of claims paid by the insurer, the size of the company, conditions covered and the various product features. This helps you to make a confident and informed decision about your trauma cover product.

If you still have questions about which trauma cover product is right for you, our insurance consultants are waiting to take your call on 13 54 33. 

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