Trauma Cover

Trauma Cover

Trauma Cover pays a lump sum if you suffer from one of the specified major diseases or injuries covered such as a heart attack, stroke, cancer or blindness.

It has been designed to provide a benefit to help you cover medical and rehabilitation costs, and to help with lifestyle and employment changes.

Trauma Cover is a component of Total Care Plan and Life Protection. It is available either in a package with Life Care or on its own. Cover options are as follows:

Trauma Cover Packaging Options
Trauma Cover	Trauma Cover & TPD Cover	Life Care & Trauma Cover & TPD Cover	Life Care & Trauma Cover

Trauma Cover pays a lump sum if you meet the policy conditions and survive for 14 days. You must suffer from a specified medical condition - there are 48 specified conditions covered Trauma and ten additional conditions covered under Trauma Cover Plus

Trauma Cover Conditions
Heart Disorders Heart Attack* Out of Hospital Cardiac Arrest* Coronary Artery Disease Requiring By-Pass Surgery* Coronary Artery Angioplasty* Coronary Artery Angioplasty – Triple Vessel* Replacement of a Heart Valve* Surgery of the Aorta* Cardiomyopathy* Primary Pulmonary Hypertension Open Heart Surgery* Blood Disorders Occupationally Acquired HIV Medically Acquired HIV Aplastic Anaemia Advanced Diabetes	Nervous System Disorders Stroke* Major Head Trauma* Motor Neurone Disease Multiple Sclerosis Multiple Sclerosis of limited extent* Muscular Dystrophy Paraplegia Quadriplegia Hemiplegia Diplegia Tetraplegia Dementia and Alzheimer's Disease Coma* Encephalitis Parkinson's Disease Bacterial Meningitis	Body Organ Disorders Cancer* Removal of Carcinoma in situ of the breast Benign Brain Tumour* Blindness* Chronic Kidney Failure* Major Organ or Bone Marrow Transplant Placement on a waiting list for Major Organ Transplant* Severe Burns Loss of Speech Loss of Hearing Chronic Liver Disease Chronic Lung Disease Severe Rheumatoid Arthritis Other Events Serious Injury Critical Care Loss of Limbs or Sight Loss of Independent Existence* Loss of One Hand or One Foot Additional Events Covered under Trauma Plus Cover Option Diabetes Complication** Carcinoma in situ of the Cervix Uteri** Carcinoma in situ of the Vulva or Perineum of limited extent** Carcinoma in situ of the Vagina** Chronic Lymphocytic Leukaemia** Hydatidiform Mole** Melanoma** Partial Blindness** Partial Loss of Hearing** Severe Osteoporosis**

* Some conditions can result in a partial benefit without ending the cover. ** Additional Events covered under Trauma Plus Cover Option

In addition to the core Trauma Cover benefit, other benefits and features are also available:

Trauma Cover Benefits	Benefit/Feature Description
Trauma Benefit	Pays a lump sum if a specified medical condition occurs.
Partial Trauma Cover Benefit	Pays a partial benefit for a range of specific conditions, for example, if you are placed on a waiting list for a major organ transplant.
Severe Hardship Booster Benefit	Pays a higher Trauma Cover benefit for certain medical conditions. (Not available under Life Protection Personal Statement Part A)
Financial Planning Benefit	Helps cover the cost of financial planning for you or your loved ones after a Life Care, Trauma Cover or Total & Permanent Disability Cover benefit is paid.
Loyalty Bonus Benefit	Rewards you for keeping your cover by paying 5% more Trauma Cover benefit.
Life Care Buy Back Benefit	Allows Life Care to be reinstated after 12 months if it is reduced due to a Trauma Cover claim.
Trauma Cover Buy Back Benefit	Allows Trauma Cover to be reinstated 12 months after a full Trauma Cover claim.
Accommodation Benefit	Helps cover the cost of accommodating a family member who has to be away from home to be near you if you are confined to bed and away from home.
Indexation	Increases your cover each year in line with inflation.
Interim Accident Cover	Covers you for accidents while we are processing your application.

There are also optional benefits that you can choose to shape your Trauma Cover to suit your needs

Trauma Cover Option	Option Description
Evidence of Severity Option	A premium discount in return for some restrictions to Trauma Cover.
Guaranteed Insurability Option - Personal Events2	Allows you to increase Life Care without further evidence on specific occasions.
Guaranteed Insurability Option – Business Events2	Allows you to increase your Trauma Cover in line with your death cover without further medical evidence if you increase your business loan, if the value of a key person grows, the value of your financial interest in a business grows or if your business increases in value.
Business Safe Cover Option	This option is similar to Guaranteed Insurability Option (Business Events), where on application we assess you for three times your chosen amount of cover, so that you can increase your cover without any further medical evidence when the relevant business event occurs.
Child Cover Option	Child Cover pays a lump sum equal to the amount for which you insure your child, if your child dies or suffers from one of the 38 Child Trauma Cover conditions.
Trauma Cover Plus	A partial Trauma Cover Benefit will be payable for an additional 10 Trauma Conditions.

²Only available for a policy with Life Care