Trauma Insurance
Trauma insurance (also called critical illness insurance) pays a lump sum if you're diagnosed with a serious medical condition like cancer, heart attack, or stroke. Unlike income protection, trauma insurance gives you immediate funds to focus on recovery, pay for treatment, or modify your lifestyle.
Who Needs Trauma Insurance?
- Anyone with family history of cancer or heart disease
- Self-employed people who can't afford time off
- People wanting peace of mind for serious illness
- Those with limited sick leave
- Families wanting funds for private treatment
Key Details
Starting from
$52/month
Age 30, male, $200,000 cover
What Trauma Insurance Covers
Common Exclusions
Most trauma insurance policies will not cover:
Premium Examples
Indicative monthly premiums for trauma insurance by age and gender. Your actual premium will depend on your health, occupation, and coverage amount.
| Age | Gender | Coverage Amount | Provider | Monthly Premium |
|---|---|---|---|---|
| 30 | male | $200,000 | TAL | $52 |
| 30 | female | $200,000 | TAL | $68 |
| 40 | male | $200,000 | AIA | $94 |
| 40 | female | $200,000 | AIA | $118 |
| 50 | male | $200,000 | Zurich | $224 |
| 50 | female | $200,000 | Zurich | $268 |
Compare with Other Insurance Types
See how trauma insurance compares to other types of coverage
Life Insurance
A lump sum payment to your loved ones when you pass away.
Total and Permanent Disability Insurance
A lump sum if you can never work again due to illness or injury.
Income Protection Insurance
Monthly payments replacing up to 85% of income if unable to work.
Ready to Get Trauma Insurance?
Compare quotes from 8 leading Australian insurers in 60 seconds. Free advice, no obligation.