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What is Trauma Insurance?

Many superannuation funds and insurance companies offer you the option of taking out an insurance policy for specific medical conditions, or for certain types of surgery as specified in the policy. This is called trauma insurance and it entitles you to a lump sum benefit if you suffer from one of the listed conditions.

Trauma insurance differs from income protection policies which typically cover any medical condition that temporarily prevents you from working.

The three most common claims for Trauma Insurance are for

  • cancer
  • heart attacks and 
  • strokes.

There are often exclusions and other requirements in trauma insurance policies, such as waiting periods and exclusions for pre-existing medical conditions, so we suggest you read your policy carefully.