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Trauma Insurance

Trauma insurance is designed to pay out a lump sum of money if you are struck with a major medical event or condition covered by the policy. The most common traumatic events among Australians include cancer, heart attack, stroke and vascular disease requiring surgical intervention.

Who is a potential candidate?

Though events such as cancer and heart attack can strike anyone at any time, the average age for traumatic experiences in Australia is only 42 years. Trauma cover can assist you financially through your recovery, it can also keep your family from worrying about how they will keep going while you get better.

What typically does it cover?

The events and diseases covered by a policy vary between companies and depend on what level of policy you buy. Events and illnesses typically covered include:

  • Heart attack
  • Stroke
  • Cancer
  • Head trauma
  • Loss of limbs
  • Quadriplegia

Trauma cover will payout either upon diagnosis or upon survival for a week or two after the traumatic event, depending on the insurer.

What typically does it not cover?

All trauma insurance is limited to the specific injuries and diseases listed on the policy. If you are struck by a traumatic event that is not listed on your policy, you are not covered. For this reason it is important to know exactly what your policy covers and make sure you choose options that cover you for as many things as possible. At the very least, choose coverage for those diseases that run in your family, those that you're most at risk for developing.

Additional coverage that policy holders might take out in this area

Your benefit will go a long way toward providing the best medical care for you, as well as modifying your home or car if necessary to deal with the lifelong effects of your traumatic event. However, an income protection policy will also keep regular money coming in as you recover, replacing up to 75% of your usual income. Also, trauma cover may only pay if you survive the event that strikes, so a life insurance policy that pays upon your death is an option to provide for your family.

If you want to be well covered, select a policy that includes as many illnesses and events as possible. Remember, if an event is not listed on the policy, it is not covered. While many basic policies will cover five or six conditions, top policies cover more than 40.
There are other trauma policy options to cover women and children, in the event of a disease or injury specific to them.

What will it cost?

Premiums for trauma policies depend on several factors, including the dollar amount on the policy and the number of events or diseases covered by the policy. It is not cheap , but it is definitely worth the cost, especially if you have a family history of traumatic events.

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