Trauma Insurance
Critical Illness Cover
Trauma insurance provides a lump-sum payment if you're diagnosed with a specified critical illness or injury - regardless of whether you can still work.
What Does Trauma Insurance Cover?
Trauma insurance covers up to 50 medical conditions, including some of the most common serious illnesses and injuries:
Key difference: Unlike income protection, trauma insurance pays based on the diagnosis itself - not your ability to work. You could return to work the next day and still receive the full payout.
Why Trauma Cover Matters
A serious diagnosis changes everything. Even if you can still work, you may face:
- Expensive treatments and medications not covered by Medicare
- Travel costs for specialist appointments
- Reduced working hours during recovery
Trauma and income protection serve different purposes. Income protection is designed to replace a portion of monthly income where you are unable to work, while trauma insurance pays a lump sum on diagnosis, regardless of work status. Whether one or both is appropriate depends on individual circumstances.
How Much Trauma Cover Do I Need?
Sums insured for trauma cover vary by insurer and policy. The appropriate level depends on individual circumstances. Some commonly considered factors include:
Personalise Your Cover
Payout Amount
Choose a lump sum starting from $50,000, scaled to your situation
Payment Method
Trauma insurance can only be held outside super
Optional: Child Trauma Cover
You can add trauma cover for your children aged 1 to 22 years. This provides a lump-sum payout if your child is diagnosed with a covered condition, helping you focus on their care without financial worry.
Don't Wait for a Diagnosis to Plan Ahead
Let us help you find the right level of trauma cover so you can focus on recovery - not finances.