Trauma cover pays a lump sum when a qualifying major illness or injury is diagnosed. These conditions are by nature serious and potentially life threatening, and can therefore have a significant financial impact. Most trauma policies cover around 40-45 conditions. Some commonly covered conditions include:
- Cancer
- Heart attack
- Stroke
- Deafness or blindness
- Major burns
- Intensive care treatment
- Meningitis
- Advanced/severe diabetes
- Major head trauma
- Serious disabilities
Trauma cover is designed to help you financially through a very difficult time. While the money can be used for whatever you like, it is particularly useful for:
- any medical costs that may not be covered by your health insurance (e.g. certain cancer treatments or reconstructive surgeries)
- a financial buffer so that you and your spouse can take extended time off work while you’re recovering and still pay your rent/mortgage and other living costs
- changes you may need to make to your home due to your condition (e.g. wheelchair access or a stair lift)
If you’d like to find out more about how we can help with your insurance, give us a call on 0800 222 511 or email us at risk@grouphealthandlife.co.nz