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Remember, although  Life Cover pays a lump sum should you pass away or become terminally ill, it doesn’t offer a benefit should you suffer a serious illness or injury and need time off from work or managing your home to recover.


Do You Have a Plan in Place if You Needed Time Off to Recover?


According to a 2013 NATSEM study, three quarters of Australians aged 46 – 64 who are not in the labour force due to ill health experience poverty. Unfortunately, that’s over 316,300 individuals, with an additional 173,300 individuals in the same family feeling the financial impact of a serious illness or injury.

It’s important to ask yourself if you required time off from work or managing your home to recover from a serious illness or injury,


  • How would you provide for yourself and your loved ones?

  • Could you afford to take time off from work or could your spouse afford to take time off from work to help you recuperate?


What is  Trauma & Trauma Plus Cover?


Trauma & Trauma Plus Cover are additional benefits that can only be applied for and added to your  Life Cover for extra protection. We offer two levels of cover to better suit your needs and budget.

Trauma Cover protects you and your loved ones by paying a lump sum benefit should you suffer a serious illness or injury, in particular specific types of cancer, coronary artery bypass surgery, heart attack, and stroke.

Trauma Plus Cover includes the same conditions as  Trauma and also offers you additional protection for (as specified in the PDS):


  •   Angioplasty (Triple Vessel)

  •   Benign Brain Tumour

  •   Cardiomyopathy

  •   Chronic Kidney Failure

  •   Chronic Liver Failure

  •   Chronic Lung Failure

  •   Heart Valve Surgery

  •   Intensive Care

  •   Loss of Hearing

  •   Loss of Sight

  •   Loss of Speech

  •   Major Head Trauma

  •   Major Organ Transplant

  •   Severe Burns


The choice between  Trauma and  Trauma Plus Cover is yours. With a benefit amount between $25,000 and $500,000 (depending on age), you can rest assured that you’ll be able to care for yourself and your loved ones should you need to take time for recovery.

 Trauma & Trauma Plus Cover could alleviate your worry and:

  • Avoid selling assets or draining your savings and investments to meet financial obligations

  • Help meet outstanding debts repayments, such as a mortgage (or rental payments if you don’t own a home), car payments, or credit card debts

  • Cover medical and rehabilitation expenses

  • Hire a housekeeper or carer

  • Manage your everyday expenses, such as bills, groceries, school fees, or childcare


Why Should I Consider Trauma or Trauma Plus Cover?

  • Part-time workers and homemakers can apply

  • Select  Trauma or Trauma Plus to suit your needs and budget

  • Benefits range from $25,000 to $500,000 (depending on age)

  • No medical or blood tests

  • No complicated forms

  • 30-day cooling-off period

  • Automatic inflation protection

  • Guaranteed cover to age 65

  • 24/7 worldwide coverage

  • Available to all Australians aged between 18 and 59 (next birthday)

  • Easy application process with specialist staff to guide you

  •  Fortnightly, monthly, and annual payment options


All the information provided in the website are general only. Refer Product disclosure document (PDS) for accurate information.

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