Trauma Cover
Compare trauma cover options to find the right protection. Whether for medical expenses or financial stability, our trauma insurance quotes ensure comprehensive coverage.
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Trauma Cover Insurance quote estimates
Trauma cover explained in simple terms
Trauma cover pays a lump sum if you are to suffer a serious illness that is covered by the insurance company, as listed in their product disclosure statement. It’s designed to fill a gap in the insurance market, providing protection for short to medium-term periods off work. It’s often referred to as critical illness or crisis recovery insurance.
For example, if you were to suffer a heart attack, which would sideline you from getting back to your usual activities for three months, that’s where Trauma cover steps in. Your life insurance or TPD policies would not pay out in this instance, and your income protection might only provide limited respite from bills. In this circumstance, Trauma cover can fill the gap—which is why setting up specific trauma cover for heart attack and stroke is widely recommended for Australians entering their 40s.
New to this product? Start with our comprehensive Trauma Cover Guide for Australia.
What is trauma cover?
You can use the lump sum payment for anything you wish. Typically, a trauma payout can go towards things like:
- Medical costs that are not covered by Medicare or your insurance (doctors, nursing, rehab etc)
- Living expenses while you recover and cannot work
- Any house modifications that required
- Paying back debt (e.g. mortgage) repayments will you cannot work.
What conditions does trauma cover?
Trauma cover can vary significantly from provider to provider. The variation can not only come in the conditions that are covered but also in the severity required for a payout. Some policies have better definitions for females, while others have better definitions for males. To further complicate matters, crisis recovery/trauma cover can also have partial payouts. For example, a mild heart attack might trigger a 25% payment with one insurance company and a full payment with another, depending on the definitions. Because these underwriting criteria shift so dramatically between insurers, it is critical to review what a comprehensive crisis recovery policy should cover before you apply.
It’s very important that you read the product disclosure statements when considering trauma cover. We can also provide you with tables that break down what is covered and what is not, allowing you to inspect them upon request. Having said that, the list below is an indicative list of what can be covered by a policy to give you an idea of the sorts of things that Trauma cover targets.
- Alzheimer’s disease and dementias
- Aortic surgery
- Aplastic anaemia
- Benign Brain tumour
- Cancer
- Cancer – Leukaemia
- Cancer – Melanoma
- Cancer – Prostate
- Carcinoma in situ – Breast
- Carcinoma in situ – Cervix
- Carcinoma in situ – Fallopian Tube
- Carcinoma in situ – Ovary
- Carcinoma in situ – Penis
- Carcinoma in situ – Perineum
- Carcinoma in situ – Testicle
- Carcinoma in situ – Uterus
- Carcinoma in situ – Vagina
- Carcinoma in situ – Vulva
- Severe Ulcerative Colitis
- Stroke
- Premium and cover suspension – Trauma
- Colostomy and/or ileostomy
- Coma
- Severe Crohn’s Disease
- Diabetes type 1
- Encephalitis / Meningitis
- Loss of hearing
- Loss of independence
- Loss of limbs / sight
- Loss of speech
- Lung disease
- Lupus
- Major head trauma
- Major organ transplant
- Motor neurone disease
- Multiple sclerosis
- Muscular dystrophy
- Severe Osteoporosis
- Paralysis
- Parkinson’s disease
- Peripheral Neuropathy
- Pneumonectomy
- Pregnancy complications
- Pulmonary hypertension
- Rheumatoid arthritis
- Severe burns
- Severe diabetes
- Endometriosis
- Facial reconstruction
- Heart – Cardiomyopathy
- Heart – Coronary Artery Angioplasty
- Heart – Coronary Artery Angioplasty Triple Vessel
- Heart – Coronary Artery By-Pass
- Heart – Heart Attack
- Heart – Heart Valve Surgery
- Heart – Open Heart Surgery
- Heart – Out of Hospital Cardiac Arrest
- HIV medically acquire
- Hydatidiform mole
- Hydrocephalus
- Kidney failure
- Liver disease
- Trauma reinstatement
- Cover conversion options – Trauma
How much does trauma insurance cost?
Trauma insurance can be expensive, given the number of conditions it covers, so the decision on the level of cover often comes down to budget. The cost varies according to age, gender, and medical history. To provide an indicative idea, in October 2025, the most competitive price for some different levels of cover for a 35-year-old non-smoking male with no pre-existing medical conditions is:
- $50,000 cover $8.39p/m (Zurich)
- $100,000 cover $16.41 p/m (Zurich)
- $150,000 cover $ 23.76 p/m (Zurich)
- $200,000 cover $ 31.68p/m (Zurich)
- $250,000 cover $ 37.70 p/m (Zurich)