Trauma and Critical Care Cover

Why you need Trauma Cover

In Modern medical times, you are more likely to survive severe diseases such as cancer or stroke, or major injuries. However, the financial impact of such suffering such conditions can be disastrous.

Benefits of Trauma and Critical Illness Cover

• Financial Cushion: Trauma and critical illness cover pay out a lump sum directly into your bank account to spend however you need. This can give you and your family time to reassess the situation without the immediate pressure of medical bills, lost income, rehabilitation costs or additional childcare expenses.
• Flexibility: Being able to utilise these funds for whatever you need allows you to explore alternative treatments and medications including non pharmac funded drug options if available or to make necessary adjustments to your home life whilst you focus on recovery.
• Peace of Mind: This coverage ensures you have the resources to focus on recovery and rehabilitation and adapt to new circumstances. This removes any need for a Give a Little page and offers peace of mind during challenging times.

Types of Trauma Conditions Covered

Insurers will predominantly cover you for medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of Function and other health events including major burns and events requiring time spent in ICU.

Getting the Right Coverage

The amount of trauma insurance you need would depend on the individual circumstances and other covers you may have. Most insurers include up to $50,000 of complimentary cover for your children provided you have this as a minimum amount insured.

Trauma Reinstatement

This option allows you to reinstate your trauma cover without having to provide any additional health evidence 12 months after receiving payment. The reinstated amount will only be paid for conditions unrelated to your original claims.