What is trauma insurance?

Name: Insure Otago
Address: Level 2, Petridish Building, 8 Stafford St, Dunedin Central, Otago
Telephone: 03 474 5855
Price range: $$

Trauma insurance — also known as critical illness or major diagnosis cover—provides a lump sum payment if you or a dependent is diagnosed with a specified serious illness or suffers a major injury. This payment is designed to ease financial pressure during a difficult time, allowing you to focus on recovery without the added stress of meeting day-to-day expenses.

Whether it’s covering medical costs, household bills, or time off work for you or your family, trauma insurance offers flexible support when you need it most. Importantly, it does not affect any entitlements you may have under ACC.

Talk to Insure Otago for practical advice on the right trauma cover to suit your needs.

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Trauma insurance gives you and your family greater security

Trauma insurance helps to manage the financial impact of serious illness or injury
Provides a one-off lump sum so you and your family can focus on recovery and rehabilitation
Covers a wide range of medical conditions, and often includes some cover for your children

Insure Otago can help you understand whether trauma insurance is appropriate for you and your family

03 474 5855

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What does trauma insurance cover?

This is dependent on your specific policy, but it typically covers a wide range of medical events, including heart attacks, specified types of cancers, and strokes. Some policies can also extend this cover to your children, recognising that if something happened to them, then as a parent or caregiver you will be the one looking after them as they recover.

Trauma insurance often works in conjunction with other types of insurance, such as health insurance, total permanent disability insurance, and income protection insurance.

Are there different types of trauma insurance?

Trauma insurance differs between providers in terms of the conditions and injuries covered and whether you can only claim once or multiple times.

Your Insure Otago advisor can help you understand what the different options are and what may work best for your individual situation, including what is affordable for you and what level of risk you're willing to accept.

What are the benefits of having trauma insurance?

Trauma insurance payments can be used for a range of needs, including day-to-day expenses such as utility bills while you are unable to work or are working reduced hours during recovery.

The payments can also cover the costs of a family member who needs to take time away from work to provide care. Another option is accessing complementary medical treatments that may not be provided through the public health service or covered by health insurance.

How Insure Otago can help...

Your Insure Otago advisor can take you through the range of trauma insurance options available, as well as other insurance options, in a no-pressure discussion. Get in touch today.

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