Trauma Cover

Trauma Cover provides you with comprehensive cover for a number of illnesses and conditions as outlined in the table below. To make a claim, you need to meet the relevant criteria of the condition. The full criteria can be found in the terms and conditions of the Trauma Cover.
 

A Full Trauma Benefit, Partial Benefit or Diagnosis Benefit may be payable depending on the criteria met for the condition.
 

* No claim is payable where you suffer from, are diagnosed with, or have signs or symptoms of, the condition within 90 days immediately after we get your application for this cover.

+ If the Diagnosis Benefit Criteria for this condition is met for the first time, an early partial payment may be made.

Moderate Trauma Cover provides you with cover for a number of illnesses and conditions as outlined in the table below. To make a claim, you need to meet the relevant criteria of the condition. The full criteria can be found in the terms and conditions of Moderate Trauma Cover.
 

Moderate Trauma Cover differs from Trauma Cover in that some, not all, covered condition definitions require a higher level of severity. These conditions are highlighted in the table below.
 

A Full Trauma Benefit or Diagnosis Benefit may be payable depending on the criteria met for the condition.
 

* No claim is payable where you suffer from, are diagnosed with, or have signs or symptoms of, the condition within 90 days immediately after we get your application for this cover.
 

+ If the Diagnosis Benefit Criteria for this condition is met for the first time, an early partial payment may be made.

• Intentional self-harm, including attempted suicide
• Taking part in a criminal activity
• If you or any child we cover doesn't survive for at least 14 days after first meeting the criteria for a covered condition
• Harm to a child we cover under a benefit that you or the child's parents or guardians cause.

You can have a maximum sum insured amount of up to $2,000,000 across both Trauma Cover and Moderate Trauma Cover.

Once your claim has been approved, you will receive a lump sum amount and it’s your choice how you use the money. Some examples of how this money can help are:

• subsidise a lost income
• cover day-to-day expenses (eg power, phone, food, petrol)
• help cover debts eg mortgage, credit cards
• assist with medical costs associated with recovery
• seeking alternative treatments
• paying for home alterations, rehabilitation and home help.

No. It includes a Full Trauma Benefit and Diagnosis Benefit.