Trauma Cover

What is Trauma Insurance

Trauma Cover (also known as Critical Illness Cover) provides a lump sum payment should you suffer one of the Covered Conditions. The Covered Conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income, or enable business ownership to be restructured, among other things. The purpose of the funds is entirely yours to decide.

Trauma Conditions Covered


  • Chronic liver failure
  • Chronic lung disease
  • Chronic renal (kidney) failure
  • Major organ transplant
  • Pneumonectomy


  • Cancer*

Blood disorder

  • Aplastic anaemia

Loss of use

  • Loss of limbs and/or eyes
  • Loss of speech
  • Total blindness
  • Total deafness

Heart & circulation

  • Aorta surgery*
  • Angioplasty*
  • Myocardial infarction (heart attack)*
  • Heart valve surgery*
  • Coronary artery bypass surgery*
  • Cardiomyopathy
  • Open heart surgery
  • Out of hospital cardiac arrest*
  • Primary pulmonary hypertension

Functional loss / neurological

  • Alzheimer’s disease
  • Dementia
  • Benign brain tumour
  • Coma
  • Encephalitis
  • Loss of independent existence
  • Major head trauma
  • Meningitis /meningococcal disease
  • Motor neurone disease
  • Muscular dystrophy
  • Multiple sclerosis
  • Paralysis:
    • diplegia
    • hemiplegia
    • paraplegia
    • quadriplegia
    • tetraplegia
    • Parkinson’s disease
    • Cerebrovascular accident (stroke)*

Other conditions

  • Accidentally acquired HIV
  • Adult onset insulin dependent diabetes mellitus
  • Cognitive Impairment
  • Intensive care
  • Occupationally-acquired HIV
  • Severe burns
  • Severe osteoporosis
  • Severe rheumatoid arthritis

* 3 month wait period from commencement applies