Trauma Insurance. Some Things You Can't Plan For.
A serious diagnosis is hard enough without money worries piled on top. Trauma insurance means a lump sum when it matters, so you can focus on getting better. Worst-case scenario, it's a great investment. Best case, it's a terrible one.
What’s the deal with Trauma Insurance?
Trauma insurance means one lump sum payment, paid directly to you if you're diagnosed with a serious illness or injury like cancer, a heart attack, or a stroke. There's no rules on how you spend it. Some people use it to cover lost income, others pay off debt, or just take the financial pressure off while they recover.
Tramua insurance can help cover:
Loss of Income
A lump sum to cover what you're not earning while you focus on recovery.
Medicial Costs
Help with treatment, specialists, or rehab costs the public system won't fund.
Household Support
Cover for the everyday help you might need, cleaning, childcare, or getting around.
Time to Recover
The breathing room to actually rest and heal, without rushing back for the pay cheque.
How it works
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We get you covered
We'll talk through your health, your family, and what a serious illness or injury would actually mean for you, then make sure your cover fits it properly. The right policy now means less to worry about if something unexpected happens.
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You live your life
I'll check in once a year to make sure your cover still fits, because life changes, and your policy should keep up. You let me know if anything has changed. That's what a good insurance broker does.
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You call me if something happens
If you're facing a serious diagnosis or injury, the last thing you need is to be dealing with an insurance company. Instead, you call me. I'll be in your corner, helping you through the claim, so you can focus on getting better, not paperwork.
Wondering about life’s “What ifs”?
Trauma insurance might not make you better. But it can take care of the financial “What ifs”.
Book a chat with Daniel.
Frequently asked questions
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It's a lump sum paid to you if you're diagnosed with a serious illness or injury. It pays out for things like cancer, a heart attack, or a stroke. It's there to cover the financial side of things, so you can focus on getting better.
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Health insurance covers the cost of treatment itself, specialists, surgery, tests. Trauma insurance pays you a lump sum on diagnosis, which you can use however you need, medical costs, lost income, household help, or anything else that comes up.
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We have a chat, wherever suits you, and talk through your health and what a serious diagnosis would actually mean for you and your family. I go away, find the right policy, and bring it back to you.
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It varies by insurer, but most policies cover major conditions like cancer, heart attack, stroke, and other serious illnesses or injuries. I'll walk you through exactly what's covered under your policy. If you get a diagnosis and you aren’t sure if you are covered, you can always give me a call.
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Yes, both can affect your premium, and in some cases what's covered. The earlier you sort cover, generally the more affordable and comprehensive it is. The best time is before you turn 28, if that has been and gone, then the second best time is now. When we catch up I'll talk you through how your situation affects your cover and premiums.
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Most policies have a stand-down period before you can claim, and some conditions have longer specified periods. I'll make sure you know exactly what applies to your cover, so there are no surprises later.
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It depends on your age, health, and how much cover you need. I'll get you an actual quote based on your situation, so you know exactly what you're paying and what is covered.
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Yes. Life changes, and your cover should keep up. I check in once a year to make sure your policy still fits, and you can call me sooner if something changes.
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You call me. I deal with the insurer directly, manage the paperwork, and make sure the payout comes through properly and as quickly as possible, so you can focus on getting better.
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Yes, and it's often more straightforward than people think. I'll look at your existing policy, check what you'd gain or lose by switching, and make sure it actually makes sense before you do anything.
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If your circumstances change, we can review or cancel your cover. I'd just rather have a chat first, so you're not left without cover unintentionally. Just give me a bell.