Trauma or serious illness insurance
Get quotes and useful information on Trauma Insurance / Serious Illness insurance here from up to 8 major insurers. Trauma Insurance /Serious Illness Insurance policy pays you a lump sum of money if you are diagnosed with a major disease or sickness or you suffer a major trauma.
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Our goal is to get your claim paid when you need it, we want our clients to get the most they can from their income insurance, and choosing the wrong policy may mean you don’t get your claim paid.
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We also get you better prices when you combine your Trauma Insurance with Life Insurance or Income Protection Insurance so try adding those policies to your quotes as well.
We quote and organise your Trauma Insurance with these insurers
- Stroke is the second largest killer in New Zealand
- 22 New Zealanders have a stroke every day, and 80% of these people need daily living support and cannot work.
- That’s 8000 people a year ! One third of strokes are fatal (cause death)
- 2000 strokes are people still working and 40 Stroke victims will be children.
- One in 20 New Zealanders are diagnosed with Heart Disease.
- Protect you and your family against sudden, life changing events.
You decide how much money you would want paid to you if you were to get one of the Trauma Conditions. If you are diagnosed with one of the Trauma Conditions the insurance company pays you.
- Heart Attack, Coronary Artery Bypass Surgery, Heart surgery
- Cancer including Malignant Tumours and other specified cancer conditions
- Stroke, Multiple Sclerosis, Parkinson’s Disease, Alzheimer’s Disease and Other Dementias, Motor Neuron Disease, Hemiplegia, Creutzfeldt-Jakob Disease, Muscular Dystrophy and Meningitis
- Accidents, Loss of Limbs and/or Sight, Paraplegia, Quadriplegia, Major Head Injury, Severe Burns
- Major Organ Transplant, Chronic Kidney Failure, Liver and Lung Disease
Case Study – Jim
At 52 years old, Jim had everything going for him. Happily married with two sons, he worked at a distinguished Auckland secondary school as Deputy Headmaster and was coach of the New Zealand Junior weightlifting team. He didn’t smoke, drank alcohol moderately, exercised regularly and had a health assessment every six months. In November 1997, however, everything changed for Jim - he suffered two strokes within three days.
He spent four weeks in hospital, unable to walk, or swallow food and liquids. His wife gave up her busy career as a real estate agent to care for him full time.
Fortunately, he had Trauma Cover. His financial adviser arranged the claim with the insurer and a payment of $50,000 was promptly paid. Jim commented, "The receipt of this payment was the turning point for us in what was an extremely stressful situation".
Jim is back on his feet now but he gets tired very quickly. Although he has resigned from his role as Deputy Headmaster, he plans to resume teaching on a part-time basis when he has recovered sufficiently from his ordeal.
Case Study - Jim September 28, 2015
Case Study – Kate
Kate worked as a charge nurse manager at an Auckland hospital. In August 1995, she had tests carried out by her doctor as she had not been feeling right for a while. The tests indicated that Kate had endometrial cancer. Surgery followed, leaving Kate unable to work for six weeks. She returned to work for a short period of time but then had to take a further week off to recover from follow-up radiotherapy.
Kate had Trauma Cover and a claim was made through her financial adviser and she promptly received a lump sum of $20,000. This was used to fund an overseas trip with her children.
Kate is currently in good health and having regular check ups to ensure that all the cancer has been removed. She is concentrating on maintaining a more relaxed lifestyle.
Case Study - Kate September 28, 2015
Case Study – Kathy
As a 30 year old librarian Kathy didn’t feel she had need for extensive cover at this point in her life. However, it was important to have some protection in place to put her mind at ease. In conjunction with her life cover Kathy took out a Trauma Cover Policy that would pay out $75,000 in the event of a serious illness. This was in July of 1992.
During a routine examination in October 1994 blood tests indicated the presence of leukemia. By November the disease was confirmed and she underwent treatment.
The Insurer was able to pay Kathy her Trauma Cover making a significant contribution to her continuing treatment. As of today Kathy is doing well although not completely rid of the leukemia. We were very pleased to be able to assist in her time of need.
Case Study - Kathy September 28, 2015
Case Study – Michael
Michael, a 50 year old insurance broker, had his world turned upside down in August 1997 when he was advised by his doctor to undergo quadruple by-pass surgery. A week later Michael had the surgery on his heart.
Michael was well prepared and through his Trauma cover, received a lump sum benefit of just under $160,000 which assisted his family while he was unable to work. He received his benefit within two days of submitting the required medical information.
The operation was a success and thanks to his Trauma Cover Michael was able to concentrate on recovering from the surgery.
Case Study - Michael September 28, 2015