Recovery time
The lump sum can help cover time away from work while you recover or adjust.
Trauma cover for serious health events.
Trauma insurance can provide a lump sum if you suffer a specified serious illness or injury, helping you focus on recovery rather than immediate financial pressure.
A serious diagnosis can change everything quickly.
Health events such as cancer, heart attack or stroke can create financial strain even when medical care is available. Trauma cover is designed to provide a lump sum when a listed condition meets policy definitions.
We help you understand what is covered, how definitions differ between insurers, and what level of cover may suit your household.
- Compare covered conditions and definitions
- Understand partial and full payment features
- Set cover around income, debts and recovery needs
- Balance premium cost with useful protection
Where trauma cover can help.
Household support
Funds may help pay for childcare, travel, home help or other practical needs.
Debt management
Some people use trauma payments to reduce mortgage or personal debt while they recover.
Important policy details.
- Covered conditions and severity definitions
- Stand-down periods and exclusions
- Full and partial payment provisions
- Whether cover is standalone or connected to life cover
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
Is trauma cover the same as health insurance?
No. Health insurance usually helps with medical treatment costs. Trauma cover pays a lump sum if a covered condition meets policy criteria.
Can I hold trauma cover with life insurance?
Yes. Many people hold both because they protect against different financial risks.
Compare options across leading New Zealand lenders.
Ready to review your insurance options?
Tell us what you want protected and we will help you compare cover options that fit your family, lending and income needs.