Benefits
The list below gives you an idea as to the critical illnesses covered by trauma cover.
The breadth of cover offered by each company changes regularly – see our ‘how we work’ page to see how we research our trauma cover recommendations for you.
Trauma cover – You’ll receive a lump sum payment if you suffer any of these critical illnesses:
Full Payment
Alzheimer’s Disease or Dementia(D) ∆
Angioplasty(D)
Aortic Surgery
Aplastic Anaemia
Benign Brain Tumour
Benign Spine Tumour(D)
Blindness(D) ∆
Cancer(D)
Cardiomyopathy(D)
Chronic Kidney Failure(D)
Chronic Liver Failure(D)
Chronic Lung Failure(D)
Coma
Coronary Artery Surgery
Creutzfeldt-Jakob Disease (CJD)
Deafness(D) ∆
Diabetes∆
Encephalitis
Heart Attack
Heart Valve Replacement(D)
HIV – Medically Acquired
HIV – Occupationally Acquired
Intensive Care Treatment
Loss of Independent Existence
Loss of Limb and Sight∆
Loss of Limbs(D) ∆
Loss of Speech(D)
Major Burns
Major Head Trauma
Meningitis and/or Meningococcal Disease
Motor Neurone Disease
Multiple Sclerosis(D) ∆
Muscular Dystrophy
Open Heart Surgery∆
Organ Transplant
Out of Hospital Cardiac Arrest
Paralysis (plegias)∆
Parkinson’s Disease∆
Peripheral Neuropathy
Pneumonectomy
Primary Pulmonary Hypertension
Severe Inflammatory Bowel Disease
Stroke
Systemic Sclerosis
Terminal Illness
TPD – Own Occupation, Classes 1-4
> (Converts to Class 5 at age 65)
TPD – Class 5
(D) Relates to Diagnosis Benefit Conditions, below
∆ Relates to Life Cover Buy-Back Option, below
Diagnosis Benefit Conditions
The conditions marked (D) above also qualify for a Diagnosis Benefit of 25% of the sum insured (or Child’s Trauma Benefit), up to a maximum of $100,000
Partial Payment Conditions
Pays 25% of the sum insured (or Child’s Trauma Benefit), up to a maximum of $100,000 upon the diagnosis of:
•Aneurysm
•Colostomy and/or Ileostomy
•Minor Burns
•Severe Osteoporosis
•Adult Insulin Dependent Diabetes Mellitus
•Hydrocephalus
•Severe Lupus Erythematosus (SLE)
•Severe Rheumatoid Arthritis
