Trauma Insurance

Available under the Zurich Protection Plus policy, Trauma Insurance provides a lump sum on the diagnosis, or occurrence, of one of a list of specific injuries and illnesses such as heart attack, cancer or stroke. It can:

  • Pay for unexpected medical costs
  • Provide for lifestyle changes
  • Provide for necessary professional care at home
  • Repay large debts such as a mortgage

Two levels of trauma cover are available under the Zurich Protection Plus policy:

  • Basic trauma cover (12 covered conditions), or
  • Extended trauma cover (42 covered conditions)


A brief outline of the benefits provided under Zurich's Trauma Insurance (via the Zurich Protection Plus policy) is set out below. Full details, including any benefit limitations and exclusions, can be found in the Zurich Wealth Protection PDS (pdf 2.3Mb).

Standard benefits

Standard benefits

  • Trauma benefit

    A lump sum benefit is payable if you suffer a specified trauma. You can choose from 12 covered conditions (Basic) or a more extensive list of 42 covered conditions (Extended).

    Basic trauma covered events: Extended trauma covered events:


    • Benign tumour of the brain
      or spinal cord
    • Chronic kidney failure
    • Coronary artery bypass surgery*
    • Diplegia
    • Heart attack*
    • Hemiplegia
    • Loss of speech
    • Major organ transplant
    • Malignant cancer*
    • Paraplegia
    • Quadriplegia
    • Stroke*

    Extended trauma covers all the Basic trauma conditions in the previous column, plus:

    • Advanced diabetes 
    • Aorta repair
    • Aplastic anaemia
    • Bacterial meningitis
    • Blindness
    • Cardiomyopathy
    • Chronic liver disease
    • Chronic lung disease
    • Coma
    • Deafness
    • Dementia (including Alzheimer's disease)
    • Encephalitis
    • Heart valve surgery
    • Loss of independence
    • Loss of limbs or sight
    • Major head trauma
    • Medically acquired HIV
    • Motor neurone disease
    • Multiple sclerosis
    • Muscular dystrophy
    • Occupationally acquired hepatitis B or C
    • Occupationally acquired HIV
    • Out of hospital cardiac arrest
    • Parkinson's disease
    • Pneumonectomy
    • Primary pulmonary hypertension
    • Severe accident or illness requiring intensive care
    • Severe burns
    • Severe rheumatoid arthritis
    • Triple vessel coronary artery angioplasty
  • Partial trauma benefit

    Only provided under Extended trauma and only if the sum insured is $100,000 or more.

    10 per cent of the Extended trauma benefit (up to $25,000) is payable if you suffer one of the 11 events listed below. The Trauma benefit is then reduced by the amount paid.

    • Carcinoma in situ*
    • Colostomy or ileostomy*
    • Diabetes (type 1)*
    • Early stage chronic lymphocytic leukaemia*
    • Early stage melanoma*
    • Early stage prostate cancer*
    • Facial reconstructive surgery and skin grafting
    • Guillain Barre Syndrome*
    • Loss of hearing in one ear
    • Minimally invasive cardiac surgery - including coronary artery angioplasty*
    • Single loss of limb or eye.

    Any specified Trauma marked with an asterisk (*) cannot be claimed in the first 90 days after cover starts. Refer to the Zurich Wealth Protection PDS for the details of this restriction.

  • Paralysis booster benefit

    If a Trauma benefit is paid for paralysis (diplegia, hemiplegia, paraplegia or quadriplegia) then the amount of Trauma benefit paid will be doubled (the maximum boosted benefit is $2 million).
  • Funeral benefit

    If you do not select Death cover, a Funeral benefit of $5,000 will be paid on your death to help with funeral expenses (provided a Trauma benefit is not payable).

In-built policy provisions which apply to all Protection Plus policies:

  • Interim cover

    While your application is being assessed, interim Trauma cover (for six specified events) can apply for up to 90 days.
  • Inflation protection

    Cover can be increased each year to allow for inflation by the greater of the CPI and five per cent.
  • Future insurability

    On certain specified occasions related to your personal circumstances such as marriage or birth of a child, cover can be increased within guidelines without any further assessment of health.
  • Financial planning advice

    After a Trauma benefit is paid, up to $3,000 of financial planning advice cost can be reimbursed.
  • Premium freeze

    You may elect to freeze premiums if affordability becomes an issue in the future, in which case you will continue to pay the same amount and the cover will reduce each year.
  • Premium holiday

    Allows a 3, 6, 9, or 12 month break in cover (max 12 months over life of policy) to ease financial pressure. Not available under platform.

Optional benefits

Optional benefits

Additional (extra cost) options are available with Trauma cover, allowing cover to be tailored to your needs.

  • Premium waiver option

    Your premiums will be waived for all benefits under the policy if you are totally disabled prior to age 70.
  • Accidental death option

    A nominated lump sum amount is payable on your accidental death. Cover is available from $50,000 to $1 million.
  • Living activities TPD option

    A nominated lump sum amount is payable if you become unable to perform at least two activities of daily living, suffer cognitive impairment or suffer a specific loss.
  • Business future cover option

    If cover is taken out for business insurance purposes, you can increase the cover annually in line with changes in the value of the business or key person, without providing further evidence of good health.
  • Needlestick cover option

    If you work in an exposure prone occupation (eg doctor, nurse, pathologist), a lump sum (between $50,000 and $1,000,000) is payable if you contract HIV, hepatitis B or hepatitis C in the course of your normal occupation.
  • Insured child option

    Your children (aged between 2 and 18) can be covered for death, terminal illness and 18 specified trauma events. Up to $500,000 is payable if an insured child suffers a specified Trauma event and up to $200,000 is payable for death or terminal illness.

    The carer benefit allows you to take time off work to care for a child who is confined to bed (provided the sum insured is $200,000 or more), paying a monthly benefit of $5,000 for up to three months.
  • Trauma reinstatement option

    Only available with Extended Trauma cover.

    The Trauma reinstatement option allows Trauma cover to be reinstated 12 months after the payment of a Trauma claim, when the Trauma cover would otherwise end.
  • Double trauma option

    Double trauma option may be selected if Death cover is taken in conjunction with Trauma cover. If you make a Trauma claim, your Death cover is reduced by the claim amount. This option allows the Death cover to be reinstated 14 days after the Trauma claim. All future premiums for the reinstated cover are waived until the policy expiry date.
  • Top-up option

    Only available with Extended Trauma cover.

    The amount payable under the Partial trauma benefit is increased to 25 per cent of the Trauma sum insured subject to a maximum of $100,000 ($50,000 for angioplasty).
  • Accelerated buy back death option

    You can add this option if you take Death cover in conjunction with Trauma cover. It allows early reinstatement of Death cover following a Trauma claim.

How to apply

Financial Adviser

Get a quote or apply through a financial adviser

A financial adviser can help to
determine the most appropriate
cover for you, based on your
personal circumstances.

Trauma Insurance is available under the Zurich Protection Plus policy. Two levels of cover are available: Basic trauma cover (12 covered conditions) or Extended trauma cover (42 covered conditions).

Under Zurich Protection Plus it is possible to combine Trauma Insurance with Life Cover and / or TPD Insurance (to pay a benefit on Total and Permanent Disablement).


Zurich Wealth Protection PDS & Application form - 21 December 2015

Type: pdf (2.8Mb)

Issue date: 21 December 2015