Trauma insurance
Trauma Insurance
Trauma insurance pays a lump sum if you are diagnosed with a serious illness like cancer, heart attack, or stroke. The payout helps you focus on recovery without financial stress, covering medical costs, household bills, and time off work.
Why it matters
Why trauma cover matters
A serious illness affects more than your health. It affects your income, your mortgage, and your family. Trauma insurance gives you a lump sum on diagnosis so you can pay for treatment, modify your home if needed, take time off, or simply breathe while you focus on getting well.
Who it is for
- People with a mortgage or significant debts
- Anyone supporting a family financially
- Self-employed Australians without sick leave
- Anyone with a family history of serious illness
Cover benefits
What's included
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Lump sum on diagnosis
Paid when you are diagnosed with a covered condition, not when you stop working. Use it however you need.
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Broad illness coverage
Covers a wide range of critical illnesses including cancer, heart attack, stroke, and more.
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Flexibility in how you use it
Medical treatment, mortgage repayments, household bills, childcare, recovery time, your call.
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Senior adviser support
Experienced advisers help you choose conditions covered and cover amount that suits your situation.
How it works
How to get started
Three steps from first chat to cover in place. We handle the heavy lifting; you stay in control.
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No obligation online consultation
Schedule a free 30-minute consultation over Zoom with a senior Safety Nest adviser. We listen first, then explain your options.
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Personalised recommendations
Based on your unique situation, we'll provide personalised insurance recommendations across our panel of leading Australian insurers.
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Application and underwriting
Our team handles the paperwork and walks you through underwriting end-to-end, so cover is in place without the run-around.
I couldn't be happier with the service provided by Safety Nest. They made the process of getting insurance easy and stress-free.
Common questions
Frequently asked questions about trauma insurance
- What is trauma insurance?
- Trauma insurance, also called critical illness cover, pays a lump sum if you are diagnosed with a covered serious illness. The lump sum is paid on diagnosis, regardless of whether you keep working.
- What illnesses are covered?
- Most policies cover cancer, heart attack, stroke, and a list of other defined critical conditions. The exact list varies by insurer; your adviser will walk you through which insurer suits your situation best.
- How is trauma different to TPD?
- TPD pays a lump sum if illness or injury permanently stops you from working. Trauma pays on diagnosis of a covered illness, whether or not you stop working. Many Australians hold both for full protection.
- Do I need trauma cover if I have life insurance?
- Life insurance pays out on death. Trauma cover pays out while you are still alive and unwell. The two work together; they do not replace each other.
- How much does trauma insurance cost?
- Premiums depend on age, gender, health, smoking status, occupation, and cover amount. We compare across our panel of insurers and quote you the most competitive option for your situation.
Get started
Secure your family's financial future
Speak with a senior Safety Nest adviser. No obligation, no pressure, just clear advice.