Trauma cover

A sudden medical event doesn’t just impact you physically – there are financial consequences as well. You may have to take time out from your job or reduce your working hours in order to recover. For serious conditions, your spouse or partner might be required to give up work to take on a caring role. 

But with trauma and critical illness cover in place, you can be confident that you’ll get the financial support you need if you’re faced with a health crisis. 

How does it work? 

Trauma cover can provide you with a lump sum payment if you’re diagnosed with one of 42 specifically defined insured trauma conditions – including stroke, cancer, heart disease, kidney failure and dementia. It helps relieve the financial stress of an illness and allow you to focus on your recovery.  

Our flexible cover options put you in control and how much you’ll receive. Depending on the cover you choose, trauma cover can also provide partial payments for some earlier stage defined conditions. You can use the money however you choose, based on your immediate needs. These might include:  

  • Covering medical and rehabilitation expenses 

  • Keeping up with debt repayments and living costs 

  • Paying for extended time off work or a holiday 

  • Modifying your home to support your illness 

  • Hiring a carer or other at-home support 

  • Travelling interstate for medical care. 

Key features and benefits 

  • Flexible options: Tailor your policy structure to suit your needs – for example, with single or joint policy owners. 

  • Guaranteed term: Your policy is guaranteed up until the end date of the benefits you’ve chosen, regardless of any changes in health or lifestyle. 

  • Worldwide cover: You’re covered 24 hours a day, seven days a week anywhere in the world as an Australian resident. 

  • Inflation protection: Your cover automatically increases each year, so it won’t be impacted by inflation.  

This is a summary of key features only. Please refer to the relevant Product Disclosure Statement for full details. 

Our trauma cover products

Wealth Protection

Wealth Protection is a flexible suite of life insurance solutions – including death, TPD, trauma and income protection cover.

What you need to know about trauma cover

It’s the life insurance option that many people don’t know about – yet trauma cover can be essential if you experience a sudden illness or accident.

❯ Read more about how trauma cover works

❯ Learn more about insurance on our Education Hub

Buying Zurich life insurance

Through a financial adviser

Everyone is different and everybody's circumstances are unique. A financial adviser can help you make sense of your current financial situation, as well as your goals for the future, to ensure you get the right level of cover in place to suit your individual circumstances. Talking to a financial adviser means you can rest assured you are making the most of our products' unique features and options, both today and into the future. It can also help you structure your cover in a way that delivers the best value for money and best suits your cash flow and tax objectives.

Find an adviser

Zurich provides a free service that can connect you to an independent financial adviser:

ASIC’s MoneySmart website also has valuable information on what to look for when choosing a financial adviser.


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