Trauma Insurance

Support when serious illness impacts your income.

What is Trauma Insurance?

Trauma insurance, also known as serious illness cover provides a lump sum payment if you're diagnosed with a critical illness or suffer a major medical event.

Facing a serious illness or injury is never easy, especially when life doesn’t pause. Trauma insurance helps ease the financial pressure, so you and your family can focus on what really matters, your health and recovery. It can be used to cover medical costs, ongoing care, lost income, or to simply take some of the financial weight off your shoulders during a tough time.

When the unexpected happens, trauma insurance gives you the freedom to focus on getting better, not just getting by.

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What conditions are covered by Trauma Insurance?

Each provider offers different levels of trauma cover, some policies are more comprehensive than others. In some cases, you may even be eligible for a payout if you lose the ability to carry out basic daily activities, even if it’s not due to a listed illness or injury.

Your advisor is here to walk you through the options, answer any questions, and help you find a policy that fits both your needs and your budget.

Is Trauma Cover different from Income Protection?

While trauma insurance can help cover costs that your income would usually take care of, it’s different from income protection cover.

The lump sum you receive from a trauma policy is yours to use however you need it, whether that’s for medical treatment, rehabilitation, paying off debts, or reducing your mortgage.

It’s flexible support at a time you need it most.

Is it hard to claim for Trauma Cover?

Our focus is on supporting you through the claims process so if the time comes to make a claim, your advisor is here to guide you every step of the way and take the stress out of dealing with insurers.

We’ll also help you clearly understand what conditions are covered and how much you’d be paid, some conditions receive the full amount, while others may result in a partial payout. It’s all about making sure you know exactly what to expect and feel fully supported throughout.

Is my current health taken into account in getting cover?

When applying for trauma cover, both your current health and lifestyle are taken into account. If you're in good health and live a healthy lifestyle, you may find that your premiums are quite affordable.

While exclusions can sometimes apply, these will always be discussed with you upfront, so there are no surprises.