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Critical Illness Insurance
Cash when crisis hits.
Let’s have a quick chat. 15 minutes. Free advice. Zero pressure.
Health insurance pays the hospital. This pays you.
If you get hit with a serious diagnosis, Medicare and private health cover the doctors. But who covers the mortgage while you take six months off? Who pays for the experimental treatment, the wheelchair ramp, or the family holiday to de-stress?
Trauma Cover (also called Critical Illness Insurance) is your emergency fund on steroids. It gives you a cash injection right when you need it most, so you can focus on fighting the illness, not the bank.
What it actually covers
It covers the “Big Three” (which account for about 90% of claims) plus a list of other serious events.
- Cancer
- Heart Attack
- Stroke
- Major Head Injury
- Severe Burns
How it works
You don’t need a degree to understand this. It works like a substitute salary.
Diagnosis:
You are diagnosed with a specified illness (e.g., breast cancer).
The Check:
The insurer pays your full sum insured (e.g., $200k) straight to your bank account.
Your Choice:
You use the money for whatever you want. Pay off the mortgage, seek treatment overseas, or just take time off work.
Why use us?
People get these mixed up. Here is the difference:
Not all “Cancer” is covered.
This is the trickiest part of insurance. One insurer might cover early-stage prostate cancer, while another only covers it if it’s life-threatening. The definitions vary wildly.
We check the fine print.
We compare 9+ insurers to find the policy with the best medical definitions. We ensure you aren’t paying for a policy that leaves you high and dry because your illness wasn’t “severe enough” in the fine print.
Two technical things you should know.
Don’t worry, we handle this for you, but here is what they mean.
The “Buy-Back” Option (Reinstatement)
Usually, once you claim, your policy ends. But with “Reinstatement,” you can buy the cover back 12 months later.
Why do it? If you claim for Cancer today, you can reinstate the policy. If you have a Heart Attack 5 years later, you can claim again. It’s a second safety net.
The Medical “Grill” (Underwriting)
Applying for Trauma cover involves medical questions. Insurers want to know your history to assess the risk.
How we help: We handle the forms and the awkward questions. If you have a pre-existing condition, we fight to get you the best possible terms without unfair exclusions.
We don't play favorites.
We aren't tied to a single provider. We make Australia’s top insurers compete for your business to ensure you get the right cover at the right price. Same big brands, just better advice.
What Our Clients Say
“Very professional and easy to work with. Excellent advice.”
“Clear insurance solutions without pressure.”
“Highly recommended for comprehensive cover.”
Frequently Asked Questions
Is the payout tax-free?
Yes. In almost all cases, a Trauma insurance payout is completely tax-free.
Can I hold this inside Super?
Generally, no. Trauma is usually held personally because the laws around releasing money from Super for medical conditions are very strict. We help you structure this so it doesn’t break the bank.
How much cover do I need?
A good rule of thumb is enough to clear your debts (like the mortgage) plus 1-2 years of income. This lets you reset your life completely debt-free.
Stop hoping for the best. Prepare for the worst.
Medical advancements mean you are likely to survive a major illness. We make sure you survive it financially, too.
