Trauma / Critical Illness Cover

Trauma insurance provides a lump sum payment if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke.

It’s designed to provide financial breathing space during recovery and help reduce pressure during difficult times.

Broker vs insurer  
what’s the real difference?

Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you

Access to more than one insurer

We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.

Advice tailored to your life

Your cover is structured around your income, responsibilities, and future plans — not a standard package.

Cover designed to work at claim time

The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.

Ongoing support as life changes

Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.

Support when you need to make a claim

If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.

A long-term relationship, not a one-off transaction

We’re here to support you over time — not just when your policy is first set up.

Serious illness affects more than just your health

The financial impact of serious illness can continue long after diagnosis.

With trauma cover

Without trauma cover

A serious diagnosis changes everything

An unexpected medical diagnosis can disrupt both personal and financial stability.

Time away from work may affect income

Recovery periods may reduce your ability to work normally.

Additional expenses begin building

Medical costs, travel, and lifestyle adjustments may create extra financial pressure.

Savings begin carrying the load

Savings may be used faster than expected during recovery.

Financial stress becomes part of recovery

Instead of focusing fully on health, financial uncertainty may become an added burden.

A lump sum payment becomes available

Financial support may be paid following diagnosis of a covered condition.

Financial flexibility increases

There is greater ability to manage expenses and recovery decisions.

Time can focus on health and family

Recovery can become the priority instead of immediate financial survival.

Financial commitments remain manageable

Mortgage repayments and living costs can remain more stable.

Recovery happens with less pressure

There is greater breathing space during an already difficult time.

Frequently Asked Questions

Honest answers to help you understand life insurance before you make any decisions.

How much life insurance cover do I actually need?

It depends on your income, debts, and the people who rely on you. A general starting point is 10x your annual income, but the right amount varies based on your mortgage, family size, and long-term financial goals. We help you work this out properly.

What's the difference between life insurance and trauma cover?