Key person trauma cover (also called Critical Illness cover when used in a business context) is generally written using the same trauma products that retail clients use, structured with the business as policy owner. Common products on our panel include AIA Australia's Crisis Recovery (a comprehensive trauma product covering a defined list of major medical events), Zurich Wealth Protection Trauma (with Trauma Plus partial-payment option for early-stage and less severe conditions), TAL Critical Illness Cover, OnePath OneCare Trauma (with Comprehensive and Premier tiers), ClearView ClearChoice Trauma, NEOS Trauma, Encompass Protection Trauma, Acenda Critical Illness, and Futura Trauma. Each product has different condition lists, partial-payment structures, qualifying periods, and survival periods (typically 14 days for most panel products). For business cover, the structure is generally written with the business as policy owner and beneficiary, premiums paid by the business, and the policy purpose documented as either revenue or capital (which determines tax treatment). Compare specific PDS documents for current condition lists and premium options — the figures and feature sets change as insurers update products.