Trauma Insurance

Find the best deal and the right cover.

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TRAUMA INSURANCE

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The thought of ourselves or our loved ones suffering a critical illness or injury isn’t the easiest thing to think about. But the old Kiwi “she’ll be right” might not be alright in the unfortunate event of cancer, a stroke or other serious condition. Statistics show that two out of five people will suffer a critical illness before the age of 65.

Trauma cover, also known as critical illness cover, provides you with a lump sum payment if you are diagnosed with a critical illness or injury.

A serious condition not only impacts your health and well-being, it can also have a significant financial impact. You might lose the ability to work or have significant medical costs. Trauma insurance removes the financial burden, allowing you to focus on what’s really important – your recovery.

Unlike most other insurances, how you use the funds is up to you – whether that’s paying off the mortgage, medical costs, investing to generate future income, looking after the kids or a once-in-a-lifetime overseas trip.

FINDING THE RIGHT COVER

DISCLAIMER

There’s plenty of trauma insurance providers and policies out there, so how do you know what’s best for you? And how do you know you’re getting the best deal? Getting the right plan at a great price also depends on a few factors of your situation – including budget, existing insurances (such as life cover and income protection), level of cover required, and number of dependents. Which means comparing trauma insurance isn’t always so simple. With a few quick details and a chat with a financial adviser, we can ensure you’re on the right plan, and getting the best deal. Our service is also 100% free to you.

BEFORE THE AGE OF 65:

 1 in 3 will be diagnosed with cancer
 1 in 4 will have a heart attack
 1 in 5 will have a stroke

(Source: CommInsure (Commonwealth Bank of Australia) Claims Experience 2010)

Michaela Williams
Michaela Williams
01:33 17 Jul 21
Hayley was fast to respond to any questions I had, took time to explain any policies I was unclear of and helped me chose a provider and policy that suited my situation. I highly recommend Evans Financial Services for insurance advice.
Aimee Mitchell
Aimee Mitchell
00:59 18 Jun 21
Great experience working with Blake, he made everything super easy (even though my circumstances were not!) and communication was excellent - responsive and professional. I would definitely recommend.
Tracey Ferne
Tracey Ferne
22:18 17 Jun 21
Was a pleasure to do business with Blake, he was professional, super helpful and patient with our questions. Have been recommending Blake's services since our dealings.
Tuione Latu
Tuione Latu
23:22 14 Jun 21
Megan Hunter
Megan Hunter
05:52 03 Jun 21
I highly recommend Blake for any advice and assistance regarding income protection insurance. Exceptional communication and service, he explained everything extremely well and guided me through what I thought would be a very confusing decision. Super happy to have this sorted!. Thanks Blake.
curtis stallworthy
curtis stallworthy
01:43 12 May 21
Hayley was especially helpful & patient whilst we considered all our options, definitely recommend!
Simon Lean-Massey
Simon Lean-Massey
22:07 04 May 21
Hayley worked with us to ensure that we got the package that best suited our needs. Her advice was friendly, professional, and targeted, and she revised her advice as we provided a clearer picture of our needs. We are extremely happy with the service we received and would not hesitate in recommending her.
Sheherazad Bhote
Sheherazad Bhote
04:52 04 May 21
Hayley really listened to what I wanted and offered me the best insurance plan for my situation. No upselling! Great communication and patience as I navigated the minefield of life insurance. Highly recommended.
Gabrielle Hitchcock
Gabrielle Hitchcock
07:57 12 Apr 21
Melanie Roskam
Melanie Roskam
03:00 31 Mar 21
Jenna Field
Jenna Field
23:58 28 Mar 21
Marius van Nieuwenhuizen
Marius van Nieuwenhuizen
00:42 19 Mar 21
Marcia Smith
Marcia Smith
03:42 04 Mar 21
Blake is knowledgeable and great to work with.
Baz Gallagher
Baz Gallagher
18:30 23 Feb 21
Alison is SUPER efficient and realy easy to deal with, her professionalism and attention to detail leaves you feeling at ease with your decisions under her guidance. Thanks again.
sheenagh brooks
sheenagh brooks
23:33 08 Feb 21
Hayley has been taking us through the whole changing of insurances and found us the best plan for our needs. She is very responsive and accommodating. Great Service.

Got questions? Not sure where to start? Book a 30 min advice session. It’s free, and an adviser will walk you through your options, pros and cons of different trauma covers. We’ll even guarantee the best price based on your situation.

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Redundancy Cover & Income Protection Insurance

Every day, 63 Kiwis hear the words “I’m sorry, you have cancer”

(Source: Cancer Society)

HOW YOU USE THE FUNDS IS UP TO YOU

  • Taking time off work – whether you’ll reduce hours or not be able to work at all, taking time out means you’ll be able to focus on recovery without the financial stress
  • Overseas travel – a holiday is a good idea any time, but they’re also proven to reduce stress, improve immunity and boost emotional stability.
  • Paying off the mortgage – reducing the financial burden of debt during a serious illness.
  • Looking after the business – allowing you to stop working while the business carries on
  • Looking after the kids – arranging extra help around the home while you’re having treatment, financial support so family members can be away from work while caring for the little ones, or funding education costs.
  • Additional medical care – funding additional medical care that might not be covered by the public health system or health insurance – like home modifications, personal medical equipment or new cancer drugs.

Trauma Cover - Do I need it?

Unfortunately, critical illness is something none of us can afford to ignore, with two out of five people suffering a critical illness before the age of 65.
Modern medicine advancements mean we’re more and more likely to survive a serious illness or condition. But this doesn’t change the fact that this situation can have a huge financial impact.
Ask yourself – if you were diagnosed with cancer today and unable to work, would you have enough money to support your loved ones, meet living expenses and pay off debt, alongside extra medical costs?
This 60 second video explains how trauma insurance could help.

PRICE GUARANTEE

prezzy-card-income-protectionWe’re confident we can get you the best deal when it comes to trauma insurance. If you have existing trauma insurance in place, or a current quote, we will guarantee a better price for comparable cover. If we can’t show you a better way to save, or a cheaper policy, we’ll give you a $200 Prezi card. (subject to terms and conditions)

ADVICE CENTRE

compare-income-protection-advice-centreSometimes, all those options and all that insurance and medical jargon make it hard to know where to start. If you’d like to chat with a local financial adviser about trauma insurance options, book a free consultation via phone or Skype.

ABOUT US

This website is here to give you a hand choosing what trauma cover might be best for you and your situation.

Trauma insurance, with all its medical jargon and varying options, means it’s not always straight forward to compare policies. What is covered with one policy might not be covered with another – and sometimes this isn’t easy to spot until claim time. Certain policies are best suited for families, and there are buy-back, stand-alone vs accelerated options to consider. Similarly, the same cover might cost hundreds less with another provider.

After a quick break down of your current situation, you’ll get online advice from one of our financial adviser. They’ve got in-depth knowledge of a whole range of trauma covers, so can help structure yours in the most cost-effective way. Because insurers pay us a commission, our service is 100% free for you.

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HOW DOES TRAUMA INSURANCE WORK?

Trauma insurance pays you a lump sum payment if you are diagnosed with a specified critical illness or injury. The three most common illnesses related to trauma claims are cancer, heart attack and stroke.

The funds are paid on diagnosis, with the amount depending on the level of cover you opt for. The money is tax-free and unlike most other insurances, you can use it however you wish.

It means you can rest easy, knowing you’re covered. In the event of a critical illness, financial support can give you time, security and choice at a time of uncertainty and stress. Instead of worrying about finances, you can focus on what’s really important – your recovery and time with your loved ones.

If you’re ready to compare, click here.

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JUST SOME OF THE CONDITIONS TRAUMA INSURANCE CAN COVER FOR:

  • Alzheimer’s Disease
  • Aortic Surgery
  • Benign Brain or Benign Spine Tumour
  • Cancer
  • Cardiomyopathy
  • Chronic Kidney, Liver, Lung Failure
  • Coma
  • Coronary Artery Surgery
  • Dementia
  • Heart Attack
  • Loss of Limb, Sight or Speech
  • Major Head Trauma
  • Meningitis
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Paralysis
  • Parkinson’s Disease
  • Stroke

With most trauma insurance, you have a buy-back option to add to your premium. Without it, once you have used your trauma cover it is gone. The buy-back rate is usually minimal, but in some cases can allow you to claim up to five times.

When choosing trauma insurance, you will also choose between ‘accelerated’ and ‘stand-alone’ cover. An accelerated benefit is related to your life insurance – with any payment coming off the total sum of your life insurance, but can be a more affordable option. A stand-alone benefit can give more certainty over existing life insurance, since it doesn’t reduce any other benefits if you make a claim.