What Trauma Insurance Covers

While this is not a definitive list, it may give you an idea into what kind of medical conditions and diseases life insurance companies will insure you for in regards to trauma insurance.

Medical trauma conditions may vary from Life Insurance Company to Life Insurance Company, so be sure to read the fine print and any definitions that may affect your case in the event of a claim. 

Typical trauma insurance coverage

Typical trauma insurance policies cover the following: 

• Alzheimer’s
• Aortic surgery
• Aplastic anaemia
• Benign brain tumour
• Burns - severe/major
• Cardiomyopathy
• Certain Cancer’s
• Coma
• Coronary artery angioplasty
• Coronary bypass surgery
• Deafness
• Dementia
• Encephalitis
• Heart attack
• Heart surgery
• Hemiplegia
• Kidney failure - chronic
• Limb paralysis
• Liver disease - chronic
• Loss of independent existence
• Loss of limbs
• Loss of sight
• Loss of speech
• Lung disease - chronic
• Major head trauma
• Major organ transplant
• Meningitis
• Motor neurone disease
• Multiple sclerosis
• Occupationally or medically acquired HIV
• Out of hospital cardiac arrest
• Paraplegia/Quadriplegia/Diplegia
• Parkinson’s
• Peripheral neuropathy
• Pulmonary hypertension
• Severe burns
• Severe diabetes
• Stroke
• Terminal illness

Additional trauma insurance coverage

For an extra cost, you can choose to have your trauma insurance policy cover additional medical events. The following are examples of additional cover that you can pay for. 

• Adult insulin dependent mellitus
• Burns of limited extent
• Carcinoma in situ
• Chronic lymphocytic leukemia
• Hydrocephalus
• Melanoma
• Partial blindness
• Partial deafness
• Severe endometriosis
• Systemic lupus erythematosus (SLE)with lupus nephritis

Qualifying period for trauma insurance benefits

There are some medical conditions where your trauma cover must be in force for a minimum number of days before a claim can be made and a benefit paid out. The typical number is 90 days, however be sure to check your PDS. Such medical conditions may include: 

• Angioplasty
• Cancer
• Open heart surgery
• Coronary artery bypass surgery
• Heart attack
• Heart valve surgery
• Severe diabetes
• Severe osteoporosis
• Severe rheumatoid arthritis
• Stroke
• Systemic sclerosis
• Triple vessel angioplasty
• Adult insulin dependent diabetes mellitus
• Carcinoma in situ
• Chronic lymphocytic leukemia
• Hydrocephalus
• Melanoma
• Partial blindness
• Partial deafness
• Severe endometriosis
• Systemic lupus erythematosus (SLE)with lupus nephritis

Please note that you need to refer to a product disclosure statement (PDS) for exact details of what you may be covered for. Contact xLife to get your free critical illness insurance quotes or trauma insurance quotes.

Exclusive Offer! Call xLife on 1300 135 205 today and
save up to 20% on your first year’s trauma protection premium.

December 2009