Trauma Insurance
A lump sum if you're diagnosed with a serious illness — cancer, stroke, heart attack and more — so treatment and recovery come first, not money.
What trauma insurance actually covers
Trauma insurance (also called critical illness cover) pays a lump sum on diagnosis of a specified serious illness, regardless of whether you're able to keep working. Unlike life insurance, it pays out while you're alive — covering the real costs a serious diagnosis brings: treatment, time off, travel to specialists, and adapting your home or lifestyle.
Who it's for
- You want a financial buffer if you're diagnosed with a serious illness
- You have a family history of conditions like cancer or heart disease
- You're self-employed and wouldn't have paid leave to fall back on
- You want to protect savings from being used for medical and recovery costs
What it covers
- A lump sum on diagnosis of specified conditions (varies by insurer — we compare)
- Cover for major conditions: cancer, heart attack, stroke, and dozens of other defined events
- No requirement to stop working to claim
- Can be held alongside life and income protection for layered protection
Common scenarios
A 42-year-old is diagnosed with early-stage breast cancer. Her trauma payout covers time off work, a private specialist, and household help during treatment.
A self-employed tradesman has a heart attack. His trauma cover replaces lost contracting income while he recovers, without touching the family's savings.
Frequently asked
Definitions vary by insurer and typically include cancer, heart attack, stroke, major organ failure, and other serious diagnoses — we'll show you exactly what's included before you commit.
No — trauma cover pays on diagnosis of a covered condition, independent of your ability to work.
Yes, and many clients do — trauma covers the immediate lump-sum need, while income protection covers ongoing income if you can't work.
Ready to talk about trauma insurance?
Book a free consultation and we'll walk through your options — no pressure, no jargon.
You might also want to review
Life Insurance
Financial protection for the people who depend on you, paid out when it matters most.
Private healthcareHealth Insurance
Faster access to private treatment and surgery, without the public waiting list.
Ongoing incomeIncome Protection
A regular replacement income if illness or injury stops you from earning.