Trauma Insurance Quotes

Each life insurance company assesses a person’s insurance application based on various factors, include the severity or frequency of certain medical conditions, as well as age, BMI and family history.

The most practical way to know which trauma cover suits you is to complete a trauma quote request and one of our consultants will send you a comparison report; comparing the premiums and features of the different critical illness policies available.

Key questions to consider when comparing quotes from different providers

Is the policy a standard (only covers major trauma conditions) or a plus policy which generally includes the standard conditions as well as 10 – 15 additional conditions, making it more comprehensive.
How many conditions am I covered for?
For the most common conditions based on your gender how appropriate are the definitions (you want the easiest definition to meet)
Prostate CancerBreast Cancer
Heart AttackHeart attack
General CancerGeneral Cancer
Is the premium stepped or level: Stepped premium policies can get very expensive in your 50 – 60’s (when you are most likely to claim on the policy). Level premiums are more affordable in the long run.
Does the policy provide built-in benefits (e.g. Free Life Cover buy Back, or Trauma Reinstatement, Free child cover…)
We finding a policy that fits into your budget with that provides good value easy by comparing trauma insurance quotes from 11 Major Life Insurance Companies you can compare premiums & policy features side by side!

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How to compare trauma insurance quotes

Before you invest in a critical illness policy, you need to compare features and premiums side by side with the help of a specialist. Below are some tips to get you started:

Trauma insurance quotes

It is advisable to get a variety of trauma insurance quotes from various insurers, to ensure you can make an informed decision. Make sure you understand the major definitions and classifications of each quote. The harder the requirements are to meet the most severe the critical illness needs to be before you get your lump sum payout.

We can help you with this as we are specialists in understanding which policy definitions provide fair value to customers.

When choosing the amount of cover you need, you must carefully assess how much risk you and your family are willing to bear and how much cover you can reasonably afford. Our trauma insurance calculator will help you determine the amount of cover you need at each stage of your life.
When searching for the best trauma insurance policy, you need to take your choice of trauma (plus or std) policy type into consideration, as well as the premium style. Combined policies cover both life and trauma insurance and can be a lot more affordable than stand-alone policies; level premiums are also more affordable over the long run.
The cost of trauma insurance is determined by a number of factors. Cost variables specific to trauma cover includes the type of policy you’ve chosen (Standard or Plus), whether you went with a combined vs. stand-alone trauma policy and if you added any additional trauma policy options, such as trauma reinstatement or double trauma.
Premiums can also increase as you get older due to the prevalence of serious health conditions. Your gender and smoking status can also contribute to your premium affordability, as well as the state you live in (stamp-duty), and your sum insured.

Because trauma cover provides you with a lump sum payment, it’s important you choose an appropriate amount of cover that will provide the best for your specific circumstances and those of your dependents.

If you feel like you wouldn’t benefit from a tailored quote you can visit our Trauma Insurance Quote Index which will give you a quick trauma insurance comparison.

Published: February 16, 2017
  • Life Cover Buy Back

    Retain your full life insurance cover in the event of a full trauma claim by taking out the Life Cover Buy Back policy option! Available in combined life insurance policies

  • Trauma Reinstatement

    Choose the trauma insurance reinstatement option and get your trauma cover reinstated 6 -12 months after your full trauma benefit payment, depending on your insurer.

  • Trauma Insurance Calculator

    Wondering how much trauma insurance you need? Our trauma cover calculator guide will take you through what to consider

  • Double Trauma

    Utilise the Double Trauma policy option and reclaim your life insurance benefit after a full trauma claim is made. Reinstated portion will be premium free!

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