Trauma (Critical Illness) insurance pays a lump sum on the diagnosis of a specified major medical condition. This can be added to a life insurance policy or taken as a separate stand alone policy. The below premiums are the indicative costs for a non-smoker in an office position holding a Trauma (Critical Illness) stand alone policy.
| Age | Level of cover | Monthly Premium | |
| Male | Female | ||
| 20 yrs | $100,000 | $18 | $19 |
| $200,000 | $30 | $28 | |
| $300,000 | $40 | $38 | |
| $500,000 | $59 | $53 | |
| 30 yrs | $100,000 | $20 | $16 |
| $200,000 | $30 | $23 | |
| $300,000 | $39 | $30 | |
| $500,000 | $58 | $36 | |
| 40 yrs | $100,000 | $32 | $32 |
| $200,000 | $56 | $57 | |
| $300,000 | $77 | $82 | |
| $500,000 | $116 | $124 | |
| 50 yrs | $100,000 | $88 | $66 |
| $200,000 | $169 | $125 | |
| $300,000 | $237 | $175 | |
| $500,000 | $371 | $272 | |
| 60 yrs | $100,000 | $270 | $160 |
| $200,000 | $534 | $311 | |
| $300,000 | $773 | $462 | |
| $500,000 | $1232 | $708 | |