Trauma Insurance
Protect yourself against the unexpected with trauma insurance
A critical illness or injury can turn your world upside down, impacting your health, wellbeing and financial stability. The costs of severe illness or injury—from medical bills to alternative treatments—can quickly add up, leaving you stressed about how to cover the cost while trying to recover.
Trauma insurance is designed to ease this burden by providing you with a lump sum if you’re diagnosed with a covered illness or condition for the first time. This payment can help you pay for additional or alternative treatments, cover living expenses or simply give you the financial freedom to focus on what’s important—your recovery.
Protect yourself against the unexpected with trauma insurance
A critical illness or injury can turn your world upside down, impacting your health, wellbeing and financial stability. The costs of severe illness or injury—from medical bills to alternative treatments—can quickly add up, leaving you stressed about how to cover the cost while trying to recover.
Trauma insurance is designed to ease this burden by providing you with a lump sum if you're diagnosed with a covered illness or condition for the first time. This payment can help you pay for additional or alternative treatments, cover living expenses or simply give you the financial freedom to focus on what’s important—your recovery.
Focus on recovery with a lump sum payment tailored to your needs
Trauma insurance provides a financial safety net if you’re diagnosed with a serious illness or injury such as cancer, heart attack, or stroke. Depending on the type of cover you choose, it can pay out a full lump sum or a partial benefit based on the severity of your condition. This money can be used however you need—whether that’s for medical treatment, everyday expenses, or simply taking time to focus on your recovery.
With options like trauma recovery cover and full trauma cover, trauma insurance pays out a lump sum based on the severity of your condition, giving you the flexibility to use the money however you like.
About Business Cover
Trauma insurance provides a lump sum payment if you’re diagnosed with a serious medical condition, such as cancer, stroke, heart attack, or diabetes. This financial support can be used for medical expenses, replacing lost income during recovery, covering everyday bills, or providing a financial cushion in a difficult time. Trauma cover can be structured as Critical Care, offering a one-time lump sum payout, or Progressive Care, which provides staged payouts as the illness progresses. Contact me today to discuss the most suitable trauma cover options for your needs.
Trauma insurance provides financial support when life takes an unexpected turn
We understand how overwhelming it can be to plan for the unexpected, especially when terms and conditions may not be clear, or when navigating built-in and optional benefits. That’s why Oasis Insurance works with New Zealand’s leading providers like AIA New Zealand Limited, and Southern Cross Health Insurance to tailor a trauma insurance plan that meets your needs. Whether it’s a wide range of medical conditions or multiple claims based on policy terms, we help you select the amount of coverage that fits your life and financial goals.
Our expert advice considers your unique circumstances, ensuring the insurance product you choose is underwritten to provide the protection you need. We’ll guide you through every step, from understanding your policy document for the full list of conditions to selecting cover against inflation, so you can have peace of mind knowing you’re covered.
Coverage that counts when it matters most. Give us a call
Don’t let the financial impact of a serious medical condition disrupt your life.
Let Oasis Insurance provide you with a plan that ensures you can focus on what matters most—your health and recovery. Contact us today for advice tailored to your needs, and let us help you secure the protection and peace of mind you deserve.
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Insurance with trauma | Financial support | Serious illness life cover
Frequently Asked Questions
What is trauma insurance?
Trauma insurance provides a lump sum payment to help if you’re diagnosed with a severe illness or injury. Trauma cover provides financial support to focus on what’s important—your recovery and health and wellbeing. Trauma cover pays a sum insured that you can use to cover medical expenses, alternative treatments that may not be covered by other policies, or even a portion of your income during recovery.
There are two types of trauma insurance available, and each specifically covers medical conditions defined in the policy. If you suffer one of the defined conditions, you’ll be covered up to the sum insured. This payment to help can cover the cost of treatments, living expenses, or other financial needs.
The insurance is underwritten to suit your personal situation, and terms and conditions that apply are outlined in the policy. For a summary of the key benefits, or to fully understand what may or may not be covered, please refer to the policy and seek advice which takes into account your unique needs. If you have questions, we’re here to help guide you through the details.
How does trauma insurance work?
Trauma insurance covers specific medical conditions and provides financial support to help you manage costs or take time off work.
What is the difference between trauma insurance and life insurance?
While life insurance offers financial support to your family after your passing, trauma insurance provides a lump sum during your lifetime if you’re diagnosed with a critical illness.
What conditions are covered by trauma insurance?
Trauma policies cover specific conditions like cancer, heart attack, or stroke. For a full list of insured medical conditions, refer to your policy or give us a call.
How do I choose the right level of cover for trauma insurance?
Your insurance adviser can help tailor a policy based on your financial needs, medical history, and specific conditions you want covered.
Can trauma insurance help if I need to take time off work?
Yes, trauma insurance provides financial support to help cover expenses if you’re unable to work due to a critical illness.
How can I get full details about trauma cover in NZ?
For full details about trauma insurance cover and specific conditions. We recommend that you give us a call to discuss your unique circumstances further.
What is critical illness insurance?
Critical illness insurance provides a lump sum payment if you are diagnosed with specific medical conditions, offering financial support during your recovery.
How does trauma insurance cover work for insured medical conditions?
Trauma insurance cover pays a lump sum for insured critical illnesses, allowing you to focus on recovery without worrying about financial obligations.
What specific conditions are included in trauma policies?
Trauma policies include specific conditions like cancer, heart attack, and stroke. For a full list of covered conditions, give us a call for more information.
How can an insurance adviser help with trauma insurance?
An insurance adviser can guide you through choosing the right level of cover, ensuring your policy is tailored to your financial needs and medical history.
Does trauma insurance include coverage for terminal illness?
Yes, many trauma policies provide coverage for terminal illnesses, offering financial support when you need it most.
Can I combine trauma insurance with other insurance cover?
Yes, trauma insurance can complement life insurance or income protection, creating a comprehensive insurance plan tailored to your needs.
Where can I get full details about trauma insurance policies?
For full details about trauma insurance, specific conditions covered, and how it works, give us a call to speak with an experienced adviser.
What is trauma insurance?
Trauma insurance provides a lump sum payment to help if you’re diagnosed with a severe illness or injury. Trauma cover provides financial support to focus on what’s important—your recovery and health and wellbeing. Trauma cover pays a sum insured that you can use to cover medical expenses, alternative treatments that may not be covered by other policies, or even a portion of your income during recovery.
There are two types of trauma insurance available, and each specifically covers medical conditions defined in the policy. If you suffer one of the defined conditions, you’ll be covered up to the sum insured. This payment to help can cover the cost of treatments, living expenses, or other financial needs.
The insurance is underwritten to suit your personal situation, and terms and conditions that apply are outlined in the policy. For a summary of the key benefits, or to fully understand what may or may not be covered, please refer to the policy and seek advice which takes into account your unique needs. If you have questions, we’re here to help guide you through the details.
How does trauma insurance work?
Trauma insurance covers specific medical conditions and provides financial support to help you manage costs or take time off work.
What is the difference between trauma insurance and life insurance?
While life insurance offers financial support to your family after your passing, trauma insurance provides a lump sum during your lifetime if you’re diagnosed with a critical illness.
What conditions are covered by trauma insurance?
Trauma policies cover specific conditions like cancer, heart attack, or stroke. For a full list of insured medical conditions, refer to your policy or give us a call.
How do I choose the right level of cover for trauma insurance?
Your insurance adviser can help tailor a policy based on your financial needs, medical history, and specific conditions you want covered.
Can trauma insurance help if I need to take time off work?
Yes, trauma insurance provides financial support to help cover expenses if you’re unable to work due to a critical illness.
How can I get full details about trauma cover in NZ?
For full details about trauma insurance cover and specific conditions. We recommend that you give us a call to discuss your unique circumstances further.
What is critical illness insurance?
Critical illness insurance provides a lump sum payment if you are diagnosed with specific medical conditions, offering financial support during your recovery.
How does trauma insurance cover work for insured medical conditions?
Trauma insurance cover pays a lump sum for insured critical illnesses, allowing you to focus on recovery without worrying about financial obligations.
What specific conditions are included in trauma policies?
Trauma policies include specific conditions like cancer, heart attack, and stroke. For a full list of covered conditions, give us a call for more information.
How can an insurance adviser help with trauma insurance?
An insurance adviser can guide you through choosing the right level of cover, ensuring your policy is tailored to your financial needs and medical history.
Does trauma insurance include coverage for terminal illness?
Yes, many trauma policies provide coverage for terminal illnesses, offering financial support when you need it most.
Can I combine trauma insurance with other insurance cover?
Yes, trauma insurance can complement life insurance or income protection, creating a comprehensive insurance plan tailored to your needs.
Where can I get full details about trauma insurance policies?
For full details about trauma insurance, specific conditions covered, and how it works, give us a call to speak with an experienced adviser.