Conditions Covered by Each Trauma Insurance Brand

What's does trauma insurance cover?

Trauma or critical illness insurance is a type of cover that pays out a lump sum if you suffer a critical or serious illness or injury (e.g. a heart attack) and survive. But what exactly is considered a 'critical' condition?

'Critical' illnesses and injuries'

This is a set of illness and diseases defined by each individual policy.

  • We've put together a comprehensive listing, to help you understanding of what conditions are covered by different policies in Australia.

What conditions are covered by policies in Australia?

Want to know which serious illnesses and injuries are covered by brands in Australia? Use our interactive table below.

PolicyConditionFull or partial benefit?Standard or Additional cover?
AMP elevateAdvanced diabetesFullStandard
AMP elevateAlzheimer’s disease and other dementiasFullStandard
AMP elevateAplastic anaemiaFullStandard
AMP elevateBenign brain tumourFullStandard
AMP elevateCancerFullStandard
AMP elevateCardiac arrestFullStandard
AMP elevateCardiomyopathyFullStandard
AMP elevateChronic kidney failureFullStandard
AMP elevateChronic liver diseaseFullStandard
AMP elevateComaFullStandard
AMP elevateCoronary artery bypass surgeryFullStandard
AMP elevateDeafnessFullStandard
AMP elevateDiplegiaFullStandard
AMP elevateEncephalitisFullStandard
AMP elevateHeart valve surgeryFullStandard
AMP elevateHemiplegiaFullStandard
AMP elevateLoss of capacity for independent livingFullStandard
AMP elevateLoss of limbsFullStandard
AMP elevateLoss of limbs and sightFullStandard
AMP elevateLoss of speechFullStandard
AMP elevateLung diseaseFullStandard
AMP elevateMajor head injuryFullStandard
AMP elevateMajor organ transplantFullStandard
AMP elevateMedically acquired HIV infectionFullStandard
AMP elevateMotor neurone diseaseFullStandard
AMP elevateMultiple sclerosisFullStandard
AMP elevateMuscular dystrophyFullStandard
AMP elevateOccupationally acquired HIV infectionFullStandard
AMP elevateParaplegiaFullStandard
AMP elevateParkinson’s diseaseFullStandard
AMP elevatePneumonectomyFullStandard
AMP elevatePrimary pulmonary hypertensionFullStandard
AMP elevateQuadriplegia (also defined as tetraplegia)FullStandard
AMP elevateSevere burnsFullStandard
AMP elevateSevere rheumatoid arthritisFullStandard
AMP elevateStrokeFullStandard
AMP elevateSurgery of the aortaFullStandard
AMP elevateTriple vessel angioplastyFullStandard
AMP elevateAdult insulin dependent diabetesPartialStandard
AMP elevateAngioplastyPartialStandard
AMP elevateBlindnessPartialStandard
AMP elevateDeafnessPartialStandard
AMP elevateHeart attackPartialStandard
AMP elevateMedical condition requiring life supportPartialStandard
AMP elevateLoss of limbFullAdditional cover
AMP elevateMelanomasEarly cancer paymentAdditional cover
AMP elevateProstate tumoursEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the penisEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of one or both testesEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the perineumEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the breastEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the vulva, vagina or fallopian tubeEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the cervixEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the ovaryEarly cancer paymentAdditional cover
AMP elevateCarcinoma in situ of the uterusEarly cancer paymentAdditional cover
AIA Crisis RecoveryCarcinoma in Situ (Not including any organ)Partial amount paidStandard
AIA Crisis RecoveryHodgkin’s Disease*Full BenefitStandard
AIA Crisis RecoveryInvasive Cancer*Full BenefitStandard
AIA Crisis RecoveryLeukaemia*Full BenefitStandard
AIA Crisis RecoveryMalignant Bone Marrow Disorder*Full BenefitStandard
AIA Crisis RecoverySkin Cancer*Partial benefitStandard
AIA Crisis RecoveryProstate Cancer*Full BenefitStandard
AIA Crisis RecoveryCardiomyopathyFull BenefitStandard
AIA Crisis RecoveryCoronary Artery Angioplasty*Partial amount paidStandard
AIA Crisis RecoveryCoronary Artery By-pass Surgery*Full Benefit
AIA Crisis RecoveryHeart Attack*Full BenefitStandard
AIA Crisis RecoveryHeart Valve Surgery*Full BenefitStandard
AIA Crisis RecoveryOther Serious Coronary Artery Disease*Full BenefitStandard
AIA Crisis RecoveryOut of Hospital Cardiac ArrestFull BenefitStandard
AIA Crisis RecoveryPulmonary Arterial Hypertension (Primary)*Full BenefitStandard
AIA Crisis RecoveryStroke*Full BenefitStandard
AIA Crisis RecoverySurgery to the Aorta*Full BenefitStandard
AIA Crisis RecoveryAccidental HIV Infection*Full BenefitStandard
AIA Crisis RecoveryAlzheimer’s DiseaseFull BenefitStandard
AIA Crisis RecoveryAplastic AnaemiaFull BenefitStandard
AIA Crisis RecoveryBacterial MeningitisFull BenefitStandard
AIA Crisis RecoveryBenign Brain Tumour*PartialStandard
AIA Crisis RecoveryBlindnessFull BenefitStandard
AIA Crisis RecoveryChronic Liver DiseaseFull BenefitStandard
AIA Crisis RecoveryChronic Lung DiseaseFull BenefitStandard
AIA Crisis RecoveryComaFull BenefitStandard
AIA Crisis RecoveryDementiaFull BenefitStandard
AIA Crisis RecoveryDiplegiaFull BenefitStandard
AIA Crisis RecoveryHemiplegiaFull BenefitStandard
AIA Crisis RecoveryIntensive CareFull BenefitStandard
AIA Crisis RecoveryKidney FailureFull BenefitStandard
AIA Crisis RecoveryLoss of HearingFull BenefitStandard
AIA Crisis RecoveryLoss of IndependenceFull BenefitStandard
AIA Crisis RecoveryLoss of Use of Limbs and/or Sight (More than one limb or eye)Full BenefitStandard
AIA Crisis RecoveryLoss of SpeechFull BenefitStandard
AIA Crisis RecoveryMajor BurnsFull BenefitStandard
AIA Crisis RecoveryMajor Head TraumaFull BenefitStandard
AIA Crisis RecoveryMajor Organ Transplant*Full BenefitStandard
AIA Crisis RecoveryMotor Neurone DiseasePartialStandard
AIA Crisis RecoveryMultiple SclerosisPartialStandard
AIA Crisis RecoveryMuscular DystrophyPartialStandard
AIA Crisis RecoveryParaplegiaFull BenefitStandard
AIA Crisis RecoveryParkinson’s DiseasePartialStandard
AIA Crisis RecoveryPneumonectomyFull BenefitStandard
AIA Crisis RecoveryQuadriplegiaFull BenefitStandard
AIA Crisis RecoverySevere Diabetes*Full BenefitStandard
AIA Crisis RecoverySevere Rheumatoid ArthritisPartialStandard
AIA Crisis RecoveryTerminal Illness* (Stand Alone only)Full BenefitStandard
AIA Crisis RecoveryViral EncephalitisFull BenefitStandard
Asteron Life Complete Trauma CoverAplastic anaemiaFull BenefitStandard
Asteron Life Complete Trauma CoverBenign tumour of the brain with impairmentFull BenefitStandard
Asteron Life Complete Trauma CoverBenign tumour of the spine with impairmentFull BenefitStandard
Asteron Life Complete Trauma CoverBlindnessFull BenefitStandard
Asteron Life Complete Trauma CoverCancer*Full BenefitStandard
Asteron Life Complete Trauma CoverCardiomyopathyFull BenefitStandard
Asteron Life Complete Trauma CoverChronic kidney (renal) failureFull BenefitStandard
Asteron Life Complete Trauma CoverChronic liver failureFull BenefitStandard
Asteron Life Complete Trauma CoverChronic lung failureFull BenefitStandard
Asteron Life Complete Trauma CoverComaFull BenefitStandard
Asteron Life Complete Trauma CoverCoronary artery angioplasty – triple vessel*Full BenefitStandard
Asteron Life Complete Trauma CoverCoronary artery surgery*Full BenefitStandard
Asteron Life Complete Trauma CoverCreutzfeldt-Jakob diseaseFull BenefitStandard
Asteron Life Complete Trauma CoverDeafnessFull BenefitStandard
Asteron Life Complete Trauma CoverDementiaFull BenefitStandard
Asteron Life Complete Trauma CoverEncephalitisFull BenefitStandard
Asteron Life Complete Trauma CoverHeart attack*Full BenefitStandard
Asteron Life Complete Trauma CoverHeart surgery (open)*Full BenefitStandard
Asteron Life Complete Trauma CoverHepatitis B or C-occupationally acquiredFull BenefitStandard
Asteron Life Complete Trauma CoverHIV-medically acquiredFull BenefitStandard
Asteron Life Complete Trauma CoverHIV-occupationally acquiredFull BenefitStandard
Asteron Life Complete Trauma CoverIntensive careFull BenefitStandard
Asteron Life Complete Trauma CoverLoss of independent existenceFull BenefitStandard
Asteron Life Complete Trauma CoverLoss of limbs or sightFull BenefitStandard
Asteron Life Complete Trauma CoverLoss of speechFull BenefitStandard
Asteron Life Complete Trauma CoverMajor head traumaFull BenefitStandard
Asteron Life Complete Trauma CoverMajor organ transplantFull BenefitStandard
Asteron Life Complete Trauma CoverMeningitisFull BenefitStandard
Asteron Life Complete Trauma CoverMotor neurone diseaseFull BenefitStandard
Asteron Life Complete Trauma CoverMultiple sclerosisFull BenefitStandard
Asteron Life Complete Trauma CoverMuscular dystrophyFull BenefitStandard
Asteron Life Complete Trauma CoverOut of hospital cardiac arrest*Full BenefitStandard
Asteron Life Complete Trauma CoverParalysisFull BenefitStandard
Asteron Life Complete Trauma CoverParkinson’s diseaseFull BenefitStandard
Asteron Life Complete Trauma CoverPrimary pulmonary hypertensionFull BenefitStandard
Asteron Life Complete Trauma CoverRepair or replacement of aorta*Full BenefitStandard
Asteron Life Complete Trauma CoverRepair or replacement of valves*Full BenefitStandard
Asteron Life Complete Trauma CoverSevere burnsFull BenefitStandard
Asteron Life Complete Trauma CoverSevere diabetes complicationsFull BenefitStandard
Asteron Life Complete Trauma CoverSevere rheumatoid arthritisFull BenefitStandard
Asteron Life Complete Trauma CoverSignificant cognitive impairmentFull BenefitStandard
Asteron Life Complete Trauma CoverStroke*Full BenefitStandard
Asteron Life Complete Trauma CoverAdult onset type 1 diabetes after age 30PartialAdditional
Asteron Life Complete Trauma CoverBenign tumour of the brainPartialAdditional
Asteron Life Complete Trauma CoverBenign tumour of the spinePartialAdditional
Asteron Life Complete Trauma CoverCarcinoma in situ of the breast*PartialStandard
Asteron Life Complete Trauma CoverCarcinoma in situ of the female organs*PartialStandard
Asteron Life Complete Trauma CoverCarcinoma in situ of the male organs*PartialAdditional
Asteron Life Complete Trauma CoverColostomy and/or ileostomyPartialStandard
Asteron Life Complete Trauma CoverCoronary artery angioplasty*PartialStandard
Asteron Life Complete Trauma CoverEarly stage chronic lymphocytic leukaemia*PartialAdditional
Asteron Life Complete Trauma CoverEarly stage melanoma*PartialStandard
Asteron Life Complete Trauma CoverEarly stage prostatic cancer*PartialStandard
Asteron Life Complete Trauma CoverHydrocephalusPartialStandard
Asteron Life Complete Trauma CoverMajor burnsPartialStandard
Asteron Life Complete Trauma CoverSerious accidental injuryPartialStandard
Asteron Life Complete Trauma CoverSevere Crohn’s diseasePartialStandard
Asteron Life Complete Trauma CoverSevere osteoporosisPartialStandard
Asteron Life Complete Trauma CoverSevere ulcerative colitisPartialStandard
Asteron Life Complete Trauma CoverSingle loss of limb or eyePartialStandard
BT Living InsuranceCancer (malignant tumours)1FullStandard
BT Living InsuranceProstate cancer – major treatmentFullAdditional
BT Living InsuranceAngioplasty — triple vessel1FullStandard
BT Living InsuranceAortic surgeryFullAdditional
BT Living InsuranceCardiomyopathyFullAdditional
BT Living InsuranceCoronary artery bypass surgery1FullStandard
BT Living InsuranceHeart attack1FullStandard
BT Living InsuranceHeart valve surgeryFullStandard
BT Living InsuranceOpen heart surgery1FullStandard
BT Living InsuranceOut of hospital cardiac arrestFullStandard
BT Living InsurancePulmonary hypertensionFullAdditional
BT Living InsuranceAlzheimer’s disease and other dementiasFullAdditional
BT Living InsuranceMotor neurone diseaseFullAdditional
BT Living InsuranceMultiple sclerosisFullAdditional
BT Living InsuranceMuscular dystrophyFullAdditional
BT Living InsuranceParkinson’s diseaseFullAdditional
BT Living InsuranceComaFullStandard
BT Living InsuranceMajor head traumaFullStandard
BT Living InsuranceParalysisFullAdditional
BT Living InsuranceSevere burnsFullStandard
BT Living InsuranceLiver failureFullAdditional
BT Living InsuranceChronic lung diseaseFullStandard
BT Living InsuranceKidney failureFullStandard
BT Living InsuranceLoss of sightFullAdditional
BT Living InsuranceMajor organ transplantFullStandard
BT Living InsuranceAplastic anaemiaFullStandard
BT Living InsuranceMedically acquired HIVFullAdditional
BT Living InsuranceOccupationally acquired HIVFullAdditional
BT Living InsuranceDiabetes of specified complicationFullAdditional
BT Living InsuranceBenign brain tumourFullStandard
BT Living InsuranceEncephalitisFullAdditional
BT Living InsuranceIntensive careFullAdditional
BT Living InsuranceLoss of hearingFullAdditional
BT Living InsuranceLoss of independent existenceFullAdditional
BT Living InsuranceLoss of limbsFullAdditional
BT Living InsuranceLoss of single limbFullAdditional
BT Living InsuranceLoss of speechFullAdditional
BT Living InsuranceMeningitisFullAdditional
BT Living InsuranceMeningococcal septicaemiaFullAdditional
BT Living InsurancePneumonectomyFullAdditional
BT Living InsuranceOsteoporosisFullAdditional
BT Living InsuranceSevere rheumatoid arthritisFullAdditional
BT Living InsuranceStrokeFullStandard
BT Living InsuranceAngioplasty - single or double vessel1PartialStandard
BT Living InsuranceCarcinoma in situ of female organs1PartialStandard
BT Living InsuranceCarcinoma in situ of the perineum, penis or testicle1PartialAdditional
BT Living InsuranceEarly stage melanomaPartialStandard
BT Living InsuranceLoss of hearing in one earPartialAdditional
BT Living InsuranceLoss of sight in one eyePartialAdditional
BT Living InsuranceLoss of single limbPartialStandard
BT Living InsuranceProstate cancer – advancement1PartialStandard
BT Living InsuranceSystemic lupus erythematosus (SLE) with lupus nephritisPartialAdditional
BT Living InsuranceDiabetes (Type 1 insulin dependent)PartialAdditional
Clearview Trauma CoverHeart Attack*FullStandard
Clearview Trauma CoverOut of Hospital Cardiac Arrest*FullStandard
Clearview Trauma CoverCoronary Artery Bypass Surgery*FullStandard
Clearview Trauma CoverCoronary Artery Angioplasty*PartialStandard
Clearview Trauma CoverCoronary Artery Angioplasty – Triple Vessel*PartialStandard
Clearview Trauma CoverRepair or Replacement of a Heart ValveFullStandard
Clearview Trauma CoverSurgery of the AortaFullStandard
Clearview Trauma CoverCardiomyopathyFullStandard
Clearview Trauma CoverOpen Heart SurgeryFullStandard
Clearview Trauma CoverPrimary Pulmonary HypertensionFullStandard
Clearview Trauma CoverStroke*FullStandard
Clearview Trauma CoverMajor Head TraumaFullStandard
Clearview Trauma CoverMotor Neurone DiseaseFullStandard
Clearview Trauma CoverMultiple SclerosisFullStandard
Clearview Trauma CoverMuscular DystrophyFullStandard
Clearview Trauma CoverParalysisFullStandard
Clearview Trauma CoverDementia including Alzheimer’s DiseaseFullStandard
Clearview Trauma CoverComaFullStandard
Clearview Trauma CoverEncephalitisFullStandard
Clearview Trauma CoverParkinson’s DiseaseFullStandard
Clearview Trauma CoverBacterial Meningitis and/or Meningococcal SepticaemiaFullStandard
Clearview Trauma CoverCancer*FullStandard
Clearview Trauma CoverCancer of the Vulva or Perineum*FullStandard
Clearview Trauma CoverBenign Brain Tumour or Spinal Cord TumourFullStandard
Clearview Trauma CoverBlindnessFullStandard
Clearview Trauma CoverChronic Kidney FailureFullStandard
Clearview Trauma CoverMajor Organ or Bone Marrow TransplantFullStandard
Clearview Trauma CoverPneumonectomyFullStandard
Clearview Trauma CoverSevere BurnsFullStandard
Clearview Trauma CoverLoss of SpeechFullStandard
Clearview Trauma CoverLoss of HearingFullStandard
Clearview Trauma CoverChronic Liver DiseaseFullStandard
Clearview Trauma CoverChronic Lung DiseaseFullStandard
Clearview Trauma CoverSevere Rheumatoid ArthritisFullStandard
Clearview Trauma CoverOccupationally Acquired HIVFullStandard
Clearview Trauma CoverOccupationally Acquired Hepatitis B or CFullStandard
Clearview Trauma CoverMedically Acquired HIVFullStandard
Clearview Trauma CoverAplastic AnaemiaFullStandard
Clearview Trauma CoverAdvanced DiabetesFullStandard
Clearview Trauma CoverIntensive CareFullStandard
Clearview Trauma CoverLoss of Limbs or SightFullStandard
Clearview Trauma CoverLoss of One Limb*PartialStandard
Clearview Trauma CoverLoss of Independent ExistenceFullStandard
Clearview Trauma CoverCognitive LossFullStandard
Clearview Trauma CoverBreast Cancer with Surgery and Treatment*FullStandard
Clearview Trauma CoverCarcinoma in situPartialAdditional
Clearview Trauma CoverEarly Stage Prostate Cancer**PartialAdditional
Clearview Trauma CoverEarly Stage Melanoma**PartialAdditional
Clearview Trauma CoverChronic Lymphocytic Leukaemia**PartialAdditional
Clearview Trauma CoverHydatidiform Mole**PartialAdditional
Clearview Trauma CoverDiabetes Complication**PartialAdditional
Clearview Trauma CoverPartial Loss of Hearing*PartialAdditional
Clearview Trauma CoverPartial Blindness*PartialAdditional
Clearview Trauma CoverSevere Osteoporosis*PartialAdditional
Clearview Trauma CoverSevere Crohns Disease*PartialAdditional
Clearview Trauma CoverSevere Ulcerative Colitis*PartialAdditional
Clearview Trauma CoverColostomy/ileostomy*PartialAdditional
CommInsure Trauma CoverHeart attack of specified severityFullStandard
CommInsure Trauma CoverCoronary artery Angioplasty*PartialStandard
CommInsure Trauma CoverSurgery of the AortaFullStandard
CommInsure Trauma CoverOpen heart surgeryFullStandard
CommInsure Trauma CoverOut of hospital Cardiac ArrestFullStandard
CommInsure Trauma CoverCoronary Artery Angioplasty - Triple vesselFullStandard
CommInsure Trauma CoverCardiomyopathyFullStandard
CommInsure Trauma CoverCoronary artery disease requiring bypass SurgeryFullStandard
CommInsure Trauma CoverRepair and replacement of heart valveFullStandard
CommInsure Trauma CoverPrimary Pulmonary HypertensionFullStandard
CommInsure Trauma CoverStrokeFullStandard
CommInsure Trauma CoverMultiple SclerosisFullStandard
CommInsure Trauma CoverParaplegiaFullStandard
CommInsure Trauma CoverDiplegiaFullStandard
CommInsure Trauma CoverComaFullStandard
CommInsure Trauma CoverMajor Head TraumaFullStandard
CommInsure Trauma CoverMultiple Sclerosis of Limited extent*PartialStandard
CommInsure Trauma CoverQuadriplegiaFullStandard
CommInsure Trauma CoverTetraplegiaFullStandard
CommInsure Trauma CoverEncephalitisFullStandard
CommInsure Trauma CoverMotor Neurone DiseaseFullStandard
CommInsure Trauma CoverMuscular DystrophyFullStandard
CommInsure Trauma CoverHemiplegiaFullStandard
CommInsure Trauma CoverDementia and Alzheimer’s DiseaseFullStandard
CommInsure Trauma CoverParkinson’s DiseaseFullStandard
CommInsure Trauma CoverCancerFullStandard
CommInsure Trauma CoverBenign Brain TumorFullStandard
CommInsure Trauma CoverMajor Organ or Bone Marrow TransplantFullStandard
CommInsure Trauma CoverLoss of SpeechFullStandard
CommInsure Trauma CoverChronic Lung DiseaseFullStandard
CommInsure Trauma CoverEarly-stage cancer of the vulva or perineumFullAdditional
CommInsure Trauma CoverBlindnessFullStandard
CommInsure Trauma CoverPlacement on a waiting list for placement of organ transplant*PartialStandard
CommInsure Trauma CoverLoss of hearingFullStandard
CommInsure Trauma CoverSevere rheumatoid ArthritisFullStandard
CommInsure Trauma CoverEarly stage breast cancer*PartialStandard
CommInsure Trauma CoverChronic Kidney FailureFullStandard
CommInsure Trauma CoverSevere BurnsFullStandard
CommInsure Trauma CoverChronic Liver DiseaseFullStandard
CommInsure Trauma CoverPneumonectomyFullStandard
CommInsure Trauma CoverOccupationally acquired HIVFullStandard
CommInsure Trauma CoverAdvanced DiabetesFullStandard
CommInsure Trauma CoverMedically Acquired HIVFullStandard
CommInsure Trauma CoverAplastic AnaemiaFullStandard
CommInsure Trauma CoverSerious injury*PartialStandard
CommInsure Trauma CoverLoss of one hand or one foot*PartialStandard
CommInsure Trauma CoverCritical care*PartialStandard
CommInsure Trauma CoverLoss of independent ExistenceFullStandard
CommInsure Trauma CoverLoss of Limbs or SightFullStandard
CommInsure Trauma CoverEarly-stage cancer of the cervix uteri*PartialStandard
CommInsure Trauma CoverEarly-stage cancer of the vagina*PartialAdditional
CommInsure Trauma CoverEarly-stage Prostate cancer*PartialAdditional
CommInsure Trauma CoverPartial Blindness*PartialAdditional
CommInsure Trauma CoverSurgical removal of a hydatidiform mole*PartialAdditional
CommInsure Trauma CoverEarly-stage penile cancer*PartialAdditional
CommInsure Trauma CoverEarly-stage Ovarian cancer*PartialAdditional
CommInsure Trauma CoverEarly-stage melanoma*PartialAdditional
CommInsure Trauma CoverSevere Osteoporosis*PartialAdditional
CommInsure Trauma CoverEarly-stage chronic lymphocytic leukemia*PartialAdditional
CommInsure Trauma CoverEarly-stage cancer of the fallopian tubes*PartialAdditional
CommInsure Trauma CoverPartial Loss of Hearing*PartialAdditional
CommInsure Trauma CoverDiabetes Complications*PartialAdditional
Zurich FutureWise Trauma Insuranceaplastic anaemiaFullStandard
Zurich FutureWise Trauma InsurancecancerFullStandard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the breastPartialStandard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the breast with lumpectomy and treatmentPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the cervix and cervical dysplasiaPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the fallopian tubePartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the ovaryPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the vaginaPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancecarcinoma in situ of the vulvaPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insuranceearly stage melanomaPartialStandard
Zurich FutureWise Trauma Insuranceearly stage prostate cancerPartialStandard
Zurich FutureWise Trauma InsuranceangioplastyPartialStandard
Zurich FutureWise Trauma Insurancetriple vessel angioplastyFullStandard
Zurich FutureWise Trauma Insuranceaortic surgeryFullStandard
Zurich FutureWise Trauma InsurancecardiomyopathyFullStandard
Zurich FutureWise Trauma Insurancecoronary artery bypass surgeryFullStandard
Zurich FutureWise Trauma Insuranceheart attackFullStandard
Zurich FutureWise Trauma Insuranceminor heart attackPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insuranceheart valve surgeryFullStandard
Zurich FutureWise Trauma Insuranceout of hospital cardiac arrestFullStandard
Zurich FutureWise Trauma Insurancebacterial meningitis or meningococcal septicaemiaFullStandard
Zurich FutureWise Trauma Insurancebenign brain tumourPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancebenign brain tumour with impairment levelFullStandard
Zurich FutureWise Trauma Insurancecognitive lossFullStandard
Zurich FutureWise Trauma InsurancecomaFullStandard
Zurich FutureWise Trauma Insurancedementia including Alzheimer’s diseaseFullStandard
Zurich FutureWise Trauma InsuranceencephalitisFullStandard
Zurich FutureWise Trauma InsurancehydrocephalusPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancemajor head traumaFullStandard
Zurich FutureWise Trauma Insurancemotor neurone diseasePartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancemotor neurone disease with impairment levelFullStandard
Zurich FutureWise Trauma Insurancemultiple sclerosisPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancemultiple sclerosis with impairment levelFullStandard
Zurich FutureWise Trauma Insurancemuscular dystrophyPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancemuscular dystrophy with impairment levelFullStandard
Zurich FutureWise Trauma InsuranceparalysisFull (Option to increase benefit available)Standard
Zurich FutureWise Trauma InsuranceParkinson’s diseasePartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma InsuranceParkinson’s disease with impairment levelFullStandard
Zurich FutureWise Trauma InsurancestrokeFullStandard
Zurich FutureWise Trauma Insurancechronic lung diseaseFullStandard
Zurich FutureWise Trauma Insuranceprimary pulmonary hypertensionFullStandard
Zurich FutureWise Trauma Insurancechronic kidney failureFullStandard
Zurich FutureWise Trauma Insuranceloss of hearingFullStandard
Zurich FutureWise Trauma Insurancepartial loss of hearingPartialStandard
Zurich FutureWise Trauma Insuranceloss of speech or total aphasiaFullStandard
Zurich FutureWise Trauma Insuranceloss of sightFull (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancepartial loss of sightPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insuranceloss of limbsFull (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancepartial loss of limbsPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancesevere burnsFull (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancesevere burns of limited extentPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancesevere osteoporosisPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancesevere rheumatoid arthritisPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancechronic liver diseaseFull (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancecolostomy/ileostomyPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancesevere Crohn’s diseasePartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancesevere ulcerative colitisPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insuranceadvanced diabetesPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancediabetes complicationsPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insuranceloss of independent existenceFullStandard
Zurich FutureWise Trauma Insurancemajor organ transplantFullStandard
Zurich FutureWise Trauma Insurancemajor organ transplant waiting listPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insurancemedically acquired HIVFullStandard
Zurich FutureWise Trauma Insuranceoccupationally acquired hepatitis B or CPartial (Option to increase benefit available)Standard
Zurich FutureWise Trauma Insuranceoccupationally acquired HIVFullStandard
Metlife LifeCare Trauma InsuranceAccidental HIV InfectionFullStandard
Metlife LifeCare Trauma InsuranceAlzheimer’s DiseaseFullStandard
Metlife LifeCare Trauma InsuranceAplastic AnaemiaFullStandard
Metlife LifeCare Trauma InsuranceBenign Brain TumourFullStandard
Metlife LifeCare Trauma InsuranceBlindnessFullStandard
Metlife LifeCare Trauma InsuranceCardiomyopathyFullStandard
Metlife LifeCare Trauma InsuranceChronic Liver FailureFullStandard
Metlife LifeCare Trauma InsuranceChronic Lung FailureFullStandard
Metlife LifeCare Trauma InsuranceChronic Renal FailureFullStandard
Metlife LifeCare Trauma InsuranceComaFullStandard
Metlife LifeCare Trauma InsuranceDiplegiaFullStandard
Metlife LifeCare Trauma InsuranceEncephalitisFullStandard
Metlife LifeCare Trauma InsuranceHemiplegiaFullStandard
Metlife LifeCare Trauma InsuranceLoss of HearingFullStandard
Metlife LifeCare Trauma InsuranceLoss of Independent ExistenceFullStandard
Metlife LifeCare Trauma InsuranceLoss of SpeechFullStandard
Metlife LifeCare Trauma InsuranceMajor Head TraumaFullStandard
Metlife LifeCare Trauma InsuranceMajor Organ TransplantFullStandard
Metlife LifeCare Trauma InsuranceMotor Neuron DiseaseFullStandard
Metlife LifeCare Trauma InsuranceMultiple SclerosisFullStandard
Metlife LifeCare Trauma InsuranceMuscular DystrophyFullStandard
Metlife LifeCare Trauma InsuranceParaplegiaFullStandard
Metlife LifeCare Trauma InsuranceParkinson’s DiseaseFullStandard
Metlife LifeCare Trauma InsurancePrimary Pulmonary HypertensionFullStandard
Metlife LifeCare Trauma InsuranceQuadriplegiaFullStandard
Metlife LifeCare Trauma InsuranceSevere BurnsFullStandard
Metlife LifeCare Trauma InsuranceAplastic AnaemiaFullStandard
Metlife LifeCare Trauma InsuranceBlindnessFullStandard
Metlife LifeCare Trauma InsuranceCardiomyopathyFullStandard
Metlife LifeCare Trauma InsuranceChronic Liver FailureFullStandard
Metlife LifeCare Trauma InsuranceChronic Lung FailureFullStandard
Metlife LifeCare Trauma InsuranceChronic Renal FailureFullStandard
Metlife LifeCare Trauma InsuranceComaFullStandard
Metlife LifeCare Trauma InsuranceDiplegiaFullStandard
Metlife LifeCare Trauma InsuranceEncephalitisFullStandard
Metlife LifeCare Trauma InsuranceHemiplegiaFullStandard
Metlife LifeCare Trauma InsuranceLoss of HearingFullStandard
Metlife LifeCare Trauma InsuranceLoss of Independent ExistenceFullStandard
Metlife LifeCare Trauma InsuranceLoss of SpeechFullStandard
Metlife LifeCare Trauma InsuranceMajor Head TraumaFullStandard
Metlife LifeCare Trauma InsuranceMajor Organ TransplantFullStandard
Metlife LifeCare Trauma InsuranceMeningitisFullStandard
Metlife LifeCare Trauma InsuranceMultiple SclerosisFullStandard
Metlife LifeCare Trauma InsuranceOpen Chest SurgeryFullStandard
Metlife LifeCare Trauma InsuranceParaplegiaFullStandard
Metlife LifeCare Trauma InsurancePrimary Pulmonary HypertensionFullStandard
Metlife LifeCare Trauma InsuranceQuadriplegiaFullStandard
Metlife LifeCare Trauma InsuranceSevere BurnsFullStandard
Metlife LifeCare Trauma InsuranceCoronary Artery Angioplasty*PartialStandard
Metlife LifeCare Trauma InsuranceCoronary Artery Angioplasty Triple Vessel*PartialStandard
Metlife LifeCare Trauma InsuranceCoronary Artery Bypass SurgeryFullStandard
Metlife LifeCare Trauma InsuranceHeart AttackFullStandard
Metlife LifeCare Trauma InsuranceMalignant CancerFullStandard
Metlife LifeCare Trauma InsuranceOpen Chest SurgeryFullStandard
Metlife LifeCare Trauma InsuranceStrokeFullStandard
MLC Critical Illness InsuranceAorta RepairFullAdditional
MLC Critical Illness InsuranceAplastic AnaemiaFullAdditional
MLC Critical Illness InsuranceBacterial meningitisFullAdditional
MLC Critical Illness InsuranceBenign Brain TumorFullAdditional
MLC Critical Illness InsuranceBlindnessFullAdditional
MLC Critical Illness InsuranceCardiomyopathyFullAdditional
MLC Critical Illness InsuranceChronic kidney failureFullAdditional
MLC Critical Illness InsuranceChronic Liver FailureFullAdditional
MLC Critical Illness InsuranceChronic Lung FailureFullAdditional
MLC Critical Illness InsuranceComaFullAdditional
MLC Critical Illness InsuranceCoronary Artery AngioplastyFullAdditional
MLC Critical Illness InsuranceCoronary Artery Angioplasty - Triple vesselPartialAdditional
MLC Critical Illness InsuranceCoronary Artery Bypass SurgeryFullStandard
MLC Critical Illness InsuranceDeafnessFullAdditional
MLC Critical Illness InsuranceDementia or Alzheimer's DiseaseFullAdditional
MLC Critical Illness InsuranceEncephalitisFullAdditional
MLC Critical Illness InsuranceHeart AttackFullStandard
MLC Critical Illness Insuranceheart valve surgeryFullAdditional
MLC Critical Illness InsuranceHIV Contracted Through Medical ProceduresFullAdditional
MLC Critical Illness InsuranceHIV Contracted Through your workFullAdditional
MLC Critical Illness InsuranceIntensive careFullAdditional
MLC Critical Illness InsuranceLoss if IndependenceFullStandard
MLC Critical Illness InsuranceLoss of speechFullAdditional
MLC Critical Illness InsuranceMajor Brain InjuryFullAdditional
MLC Critical Illness InsuranceMajor BurnsFullAdditional
MLC Critical Illness InsuranceMajor Organ or Bone Marrow TransplantFullAdditional
MLC Critical Illness InsuranceMalignant CancerFullStandard
MLC Critical Illness InsuranceMeningococcal SepticaemiaFullAdditional
MLC Critical Illness InsuranceMotor Neurone DiseaseFullAdditional
MLC Critical Illness InsuranceMultiple SclerosisFullAdditional
MLC Critical Illness InsuranceMuscular DystrophyFullAdditional
MLC Critical Illness InsuranceOpen Heart SurgeryFullAdditional
MLC Critical Illness Insuranceout of hospital cardiac arrestFullAdditional
MLC Critical Illness InsuranceParkinson's DiseaseFullAdditional
MLC Critical Illness InsuranceParalysis (includes paraplegia,quadraplegia,hemiplegia,diplegia,tetraplegia)FullAdditional
MLC Critical Illness InsurancePneumonectomyFullAdditional
MLC Critical Illness InsurancePrimary Pulmonary HypertensionFullAdditional
MLC Critical Illness InsuranceSevere DiabetesFullAdditional
MLC Critical Illness InsuranceSevere osteoporosisFullAdditional
MLC Critical Illness InsuranceSevere rheumatoid arthritisFullAdditional
MLC Critical Illness InsuranceStrokeFullStandard
MLC Critical Illness InsuranceAdult onset Insulin Dependent DiabetesPartialAdditional
MLC Critical Illness InsuranceMellitusPartialAdditional
MLC Critical Illness InsuranceAdvanced EndometriosisPartialAdditional
MLC Critical Illness InsuranceCarcinoma in Situ of the breastPartialAdditional
MLC Critical Illness InsuranceDeafness in one earPartialAdditional
MLC Critical Illness InsuranceEarly Stage chronic lymphocytic leukemiaPartialAdditional
MLC Critical Illness Insuranceearly stage prostate cancerPartialAdditional
MLC Critical Illness InsuranceFacial Reconstructive Surgery and skin graftingPartialAdditional
MLC Critical Illness InsuranceSerious Accidental injuryPartialAdditional
MLC Critical Illness InsuranceLoss of one hand or one footPartialAdditional
MLC Critical Illness InsuranceLoss of sight in one eyePartialAdditional
MLC Critical Illness InsuranceCongenital abnormalities of a childPartialAdditional
MLC Critical Illness InsuranceInability of a child to gain independencePartialAdditional
MLC Critical Illness Insurancecarcinoma in situ - female reproductive organsPartialAdditional
MLC Critical Illness Insuranceearly stage melanomaPartialAdditional
MLC Critical Illness InsuranceOrchidectomy (as required to diagnose carcinoma in Situ of the Testicle)PartialAdditional
MLC Critical Illness InsuranceSpecified Complications of PregnancyPartialAdditional
Nobleoak Trauma InsuranceCancer *FullStandard
Nobleoak Trauma InsuranceCoronary Artery Angioplasty **PartialStandard
Nobleoak Trauma InsuranceCoronary Artery By-pass Surgery *FullStandard
Nobleoak Trauma InsuranceHeart Attack *FullStandard
Nobleoak Trauma InsuranceOther Serious Coronary Artery Disease*FullStandard
Nobleoak Trauma InsuranceStroke *FullStandard
Nobleoak Trauma InsuranceAccidental HIV Infection *FullStandard
Nobleoak Trauma InsuranceAlzheimer’s Disease/Irreversible Organic DisorderFullStandard
Nobleoak Trauma InsuranceAplastic AnaemiaFullStandard
Nobleoak Trauma InsuranceBacterial MeningitisFullStandard
Nobleoak Trauma InsuranceBlindnessFullStandard
Nobleoak Trauma InsuranceCardiomyopathyFullStandard
Nobleoak Trauma InsuranceChronic Liver DiseaseFullStandard
Nobleoak Trauma InsuranceChronic Lung DiseaseFullStandard
Nobleoak Trauma InsuranceComaFullStandard
Nobleoak Trauma InsuranceDementiaFullStandard
Nobleoak Trauma InsuranceDiplegiaFullStandard
Nobleoak Trauma InsuranceHeart Valve Replacement *FullStandard
Nobleoak Trauma InsuranceHemiplegiaFullStandard
Nobleoak Trauma InsuranceKidney FailureFullStandard
Nobleoak Trauma InsuranceLeukaemia *FullStandard
Nobleoak Trauma InsuranceLoss of HearingFullStandard
Nobleoak Trauma InsuranceLoss of IndependenceFullStandard
Nobleoak Trauma InsuranceLoss of Limbs and/or SightFullStandard
Nobleoak Trauma InsuranceLoss of SpeechFullStandard
Nobleoak Trauma InsuranceMajor Brain InjuryFullStandard
Nobleoak Trauma InsuranceMajor BurnsFullStandard
Nobleoak Trauma InsuranceMajor Organ Transplant *FullStandard
Nobleoak Trauma InsuranceMotor Neurone DiseaseFullStandard
Nobleoak Trauma InsuranceMultiple SclerosisFullStandard
Nobleoak Trauma InsuranceMuscular DystrophyFullStandard
Nobleoak Trauma InsuranceParaplegiaFullStandard
Nobleoak Trauma InsuranceParkinson’s DiseaseFullStandard
Nobleoak Trauma InsurancePulmonary Arterial Hypertension (Primary) *FullStandard
Nobleoak Trauma InsuranceQuadriplegiaFullStandard
Nobleoak Trauma InsuranceSurgery to Aorta *FullStandard
Nobleoak Trauma InsuranceTerminal IllnessFullStandard
Nobleoak Trauma InsuranceViral EncephalitisFullStandard
Onepath Trauma CoverBrain Tumour (benign)Partial (with option to increase cover)Standard
Onepath Trauma CoverCancerFullStandard
Onepath Trauma CoverSpinal Tumour (benign)FullStandard
Onepath Trauma CoverAngioplasty - triple vesselFullStandard
Onepath Trauma CoverAortic surgeryFullStandard
Onepath Trauma CoverCardiac arrest (out of hospital)FullStandard
Onepath Trauma CoverCardiomyopathyFullStandard
Onepath Trauma CoverCoronary artery by-pass surgeryFullStandard
Onepath Trauma CoverHeart attack (diagnosed)FullStandard
Onepath Trauma CoverHeart valve surgeryFullStandard
Onepath Trauma CoverOpen heart SurgeryFullStandard
Onepath Trauma CoverPrimary Pulmonary HypertensionFullStandard
Onepath Trauma CoverAlzheimer's diseaseFullStandard
Onepath Trauma CoverCognitive lossFullStandard
Onepath Trauma CoverDementiaFullStandard
Onepath Trauma CoverHead Trauma (major)FullStandard
Onepath Trauma CoverParkinson's DiseaseFullStandard
Onepath Trauma CoverStrokeFullStandard
Onepath Trauma CoverEncephalitisFullStandard
Onepath Trauma CoverMeningitis and/or meningococcal DiseaseFullStandard
Onepath Trauma CoverBlindness (severe)FullStandard
Onepath Trauma CoverDeafness (severe)FullStandard
Onepath Trauma CoverLoss of Independent ExistenceFullStandard
Onepath Trauma CoverLoss of paralysis of limbFullStandard
Onepath Trauma CoverMotor Neurone DiseaseFullStandard
Onepath Trauma CoverMultiple SclerosisFullStandard
Onepath Trauma CoverMuscular DystrophyFullStandard
Onepath Trauma CoverOsteoporosis (before age 50)FullStandard
Onepath Trauma CoverRheumatoid Arthritis (severe)FullStandard
Onepath Trauma CoverAplastic AnaemiaFullStandard
Onepath Trauma CoverHIV (medically Acquired)FullStandard
Onepath Trauma CoverHIV (occupationally Acquired)FullStandard
Onepath Trauma CoverKidney Failure (chronic)FullStandard
Onepath Trauma CoverLiver disease (chronic)FullStandard
Onepath Trauma CoverLung disease (chronic)FullStandard
Onepath Trauma CoverOrgan TransplantFullStandard
Onepath Trauma CoverPneumonectomyFullStandard
Onepath Trauma CoverSystemic sclerosisFullStandard
Onepath Trauma CoverBurns (severe)FullStandard
Onepath Trauma CoverComaFullStandard
Onepath Trauma CoverDiabetes (severe(FullStandard
Onepath Trauma CoverIntensive careFullStandard
Onepath Trauma CoverLoss of speechFullStandard
Onepath Trauma CoverTerminal IllnessFullStandard
Onepath Trauma CoverBrain SurgeryPartial (with option to increase cover)Standard
Onepath Trauma CoverCarcinoma in situ (CIS)Partial (with option to increase cover)Standard
Onepath Trauma CoverChronic Lymphocytic LeukemiaPartial (with option to increase cover)Standard
Onepath Trauma CoverMelanoma (early stage)Partial (with option to increase cover)Standard
Onepath Trauma CoverAngioplastyPartialAdditional
Onepath Trauma CoverHeart Surgery (minor)PartialAdditional
Onepath Trauma CoverHydrocephalusPartial (with option to increase cover)Standard
Onepath Trauma CoverColostomy and / or ileostomyPartial (with option to increase cover)Standard
Onepath Trauma CoverEndometriosis (severe)Partial (with option to increase cover)Standard
Onepath Trauma CoverBlindness (partial)Partial (with option to increase cover)Standard
Onepath Trauma CoverDeafness (partial)Partial (with option to increase cover)Standard
Onepath Trauma Coverburns of limited extentPartial (with option to increase cover)Standard
Onepath Trauma CoverCritical carePartial (with option to increase cover)Standard
Onepath Trauma CoverDiabetes mellitus - adult, insulin dependent (after age 30)Partial (with option to increase cover)Standard
Onepath Trauma CoverSystemic lupus erythematosus (SLE) with lupus nephritisPartial (with option to increase cover)Standard
TAL Recovery Insurance Critical IllnessAngioplastyFullStandard
TAL Recovery Insurance Critical IllnessAortic SurgeryFullStandard
TAL Recovery Insurance Critical IllnessCardiomyopathyFullStandard
TAL Recovery Insurance Critical IllnessCoronary Artery Bypass SurgeryFullStandard
TAL Recovery Insurance Critical IllnessHeart AttackFullStandard
TAL Recovery Insurance Critical IllnessMinor Heart AttackPartialStandard
TAL Recovery Insurance Critical IllnessHeart Valve SurgeryFullStandard
TAL Recovery Insurance Critical IllnessPrimary Pulmonary HypertensionFullStandard
TAL Recovery Insurance Critical IllnessTriple Vessel AngioplastyFullStandard
TAL Recovery Insurance Critical IllnessAlzheimer’s DiseaseFullStandard
TAL Recovery Insurance Critical IllnessComaFullStandard
TAL Recovery Insurance Critical IllnessDementiaFullStandard
TAL Recovery Insurance Critical IllnessEncephalitis and MeningitisFullStandard
TAL Recovery Insurance Critical IllnessMeningococcal DiseaseFullStandard
TAL Recovery Insurance Critical IllnessMotor Neurone DiseaseFullStandard
TAL Recovery Insurance Critical IllnessMultiple SclerosisFullStandard
TAL Recovery Insurance Critical IllnessMuscular DystrophyFullStandard
TAL Recovery Insurance Critical IllnessParalysisFullStandard
TAL Recovery Insurance Critical IllnessParkinson’s DiseaseFullStandard
TAL Recovery Insurance Critical IllnessStrokeFullStandard
TAL Recovery Insurance Critical IllnessBlindnessFullStandard
TAL Recovery Insurance Critical IllnessLoss of HearingFullStandard
TAL Recovery Insurance Critical IllnessLoss of Independent ExistenceFullStandard
TAL Recovery Insurance Critical IllnessLoss of a Single LimbFullStandard
TAL Recovery Insurance Critical IllnessLoss of SpeechFullStandard
TAL Recovery Insurance Critical IllnessChronic Kidney FailureFullStandard
TAL Recovery Insurance Critical IllnessChronic Liver FailureFullStandard
TAL Recovery Insurance Critical IllnessChronic Lung FailureFullStandard
TAL Recovery Insurance Critical IllnessMajor Organ TransplantFullStandard
TAL Recovery Insurance Critical IllnessPneumonectomyFullStandard
TAL Recovery Insurance Critical IllnessSevere DiabetesFullStandard
TAL Recovery Insurance Critical IllnessAplastic AnaemiaFullStandard
TAL Recovery Insurance Critical IllnessIntensive CareFullStandard
Westpac Living InsuranceCancer (malignant tumours)1FullStandard
Westpac Living InsuranceProstate cancer – major treatment1FullAdditional
Westpac Living InsuranceAngioplasty – triple vessel1FullStandard
Westpac Living InsuranceAortic surgeryPartialStandard
Westpac Living InsuranceCardiomyopathyFullAdditional
Westpac Living InsuranceCoronary artery bypass surgery1FullStandard
Westpac Living InsuranceHeart attack1FullStandard
Westpac Living InsuranceHeart valve surgeryFullStandard
Westpac Living InsuranceOpen heart surgery1FullStandard
Westpac Living InsuranceOut of hospital cardiac arrestFullStandard
Westpac Living InsurancePulmonary hypertensionFullAdditional
Westpac Living InsuranceAlzheimer’s disease and other dementiasFullAdditional
Westpac Living InsuranceMotor neurone diseaseFullAdditional
Westpac Living InsuranceMultiple sclerosisFullAdditional
Westpac Living InsuranceMuscular dystrophyFullAdditional
Westpac Living InsuranceParkinson’s diseaseFullAdditional
Westpac Living InsuranceComaFullStandard
Westpac Living InsuranceMajor head traumaFullStandard
Westpac Living InsuranceParalysisFullAdditional
Westpac Living InsuranceSevere burnsFullStandard
Westpac Living InsuranceChronic liver diseaseFullAdditional
Westpac Living InsuranceChronic lung diseaseFullAdditional
Westpac Living InsuranceKidney failureFullStandard
Westpac Living InsuranceLive failureFullAdditional
Westpac Living InsuranceLoss of sightFullAdditional
Westpac Living InsuranceMajor organ transplantFullStandard
Westpac Living InsuranceAplastic anaemiaFullStandard
Westpac Living InsuranceMedically acquired HIVFullAdditional
Westpac Living InsuranceOccupationally acquired HIVFullAdditional
Westpac Living InsuranceSevere diabetesFullAdditional
Westpac Living InsuranceBenign brain tumourFullAdditional
Westpac Living InsuranceEncephalitisFullAdditional
Westpac Living InsuranceIntensive careFullAdditional
Westpac Living InsuranceLoss of hearingFullAdditional
Westpac Living InsuranceLoss of independent existenceFullAdditional
Westpac Living InsuranceLoss of limbsFullAdditional
Westpac Living InsuranceLoss of single limbFullAdditional
Westpac Living InsuranceLoss of speechFullAdditional
Westpac Living InsuranceMeningitisFullAdditional
Westpac Living InsuranceMeningococcal septicaemiaFullAdditional
Westpac Living InsurancePneumonectomyFullAdditional
Westpac Living InsuranceSevere osteoporosisFullAdditional
Westpac Living InsuranceSevere rheumatoid arthritisFullAdditional
Westpac Living InsuranceStrokeFullStandard
Westpac Living InsuranceAngioplasty – single or double vessel1PartialStandard
Westpac Living InsuranceCarcinoma in situ of female organs1PartialStandard
Westpac Living InsuranceCarcinoma in situ of the perineum, penis or testicle1PartialAdditional
Westpac Living InsuranceEarly stage melanoma1PartialStandard
Westpac Living InsuranceLoss of hearing – advancementPartialStandard
Westpac Living InsuranceLoss of hearing – one earPartialadditional
Westpac Living InsuranceLoss of sight in one eyePartialAdditional
Westpac Living InsuranceLoss of single limbPartialStandard
Westpac Living InsuranceProstate cancer – advancementPartialStandard
Westpac Living InsuranceSystemic lupus erythematosus (SLE) with lupus nephritisPartialAdditional
Westpac Living InsuranceDiabetes (Type 1 insulin dependent)PartialAdditional
Zurich Trauma Cover (Critical Illness)advanced diabetesFullAdditional
Zurich Trauma Cover (Critical Illness)aorta repairFullAdditional
Zurich Trauma Cover (Critical Illness)aplastic anaemiaFullAdditional
Zurich Trauma Cover (Critical Illness)bacterial meningitisFullAdditional
Zurich Trauma Cover (Critical Illness)benign tumour of the brain or spinal cordFullStandard
Zurich Trauma Cover (Critical Illness)blindnessFullAdditional
Zurich Trauma Cover (Critical Illness)cardiomyopathyFullAdditional
Zurich Trauma Cover (Critical Illness)chronic kidney failureFullStandard
Zurich Trauma Cover (Critical Illness)chronic liver diseaseFullAdditional
Zurich Trauma Cover (Critical Illness)chronic lung diseaseFullAdditional
Zurich Trauma Cover (Critical Illness)comaFullAdditional
Zurich Trauma Cover (Critical Illness)coronary artery bypass surgery*PartialStandard
Zurich Trauma Cover (Critical Illness)deafnessFullAdditional
Zurich Trauma Cover (Critical Illness)dementia (including alzheimer’s disease)FullAdditional
Zurich Trauma Cover (Critical Illness)diplegiaFullAdditional
Zurich Trauma Cover (Critical Illness)encephalitisFullAdditional
Zurich Trauma Cover (Critical Illness)heart attack*PartialStandard
Zurich Trauma Cover (Critical Illness)heart valve surgeryFullAdditional
Zurich Trauma Cover (Critical Illness)hemiplegiaFullStandard
Zurich Trauma Cover (Critical Illness)loss of independenceFullAdditional
Zurich Trauma Cover (Critical Illness)loss of limbs or sightFullAdditional
Zurich Trauma Cover (Critical Illness)loss of speechFullStandard
Zurich Trauma Cover (Critical Illness)major head traumaFullAdditional
Zurich Trauma Cover (Critical Illness)major organ transplantFullStandard
Zurich Trauma Cover (Critical Illness)malignant cancer*PartialStandard
Zurich Trauma Cover (Critical Illness)medically acquired HIVFullAdditional
Zurich Trauma Cover (Critical Illness)motor neurone diseaseFullAdditional
Zurich Trauma Cover (Critical Illness)multiple sclerosisFullAdditional
Zurich Trauma Cover (Critical Illness)muscular dystrophyFullAdditional
Zurich Trauma Cover (Critical Illness)occupationally acquired hepatitis B or CFullAdditional
Zurich Trauma Cover (Critical Illness)occupationally acquired HIVFullAdditional
Zurich Trauma Cover (Critical Illness)out of hospital cardiac arrestFullAdditional
Zurich Trauma Cover (Critical Illness)paraplegiaFullStandard
Zurich Trauma Cover (Critical Illness)parkinson’s diseaseFullAdditional
Zurich Trauma Cover (Critical Illness)pneumonectomyFullAdditional
Zurich Trauma Cover (Critical Illness)primary pulmonary hypertensionFullAdditional
Zurich Trauma Cover (Critical Illness)quadriplegiaFullStandard
Zurich Trauma Cover (Critical Illness)severe accident or illness requiring intensive careFullAdditional
Zurich Trauma Cover (Critical Illness)severe burnsFullAdditional
Zurich Trauma Cover (Critical Illness)severe rheumatoid arthritisFullAdditional
Zurich Trauma Cover (Critical Illness)stroke*PartialStandard
Zurich Trauma Cover (Critical Illness)triple vessel coronary artery angioplastyFullAdditional
Zurich Trauma Cover (Critical Illness)carcinoma in situ*PartialAdditional
Zurich Trauma Cover (Critical Illness)colostomy or ileostomy*PartialAdditional
Zurich Trauma Cover (Critical Illness)diabetes (type 1)*PartialAdditional
Zurich Trauma Cover (Critical Illness)early stage chronic lymphocytic leukaemia*PartialAdditional
Zurich Trauma Cover (Critical Illness)early stage melanoma*PartialAdditional
Zurich Trauma Cover (Critical Illness)early stage prostate cancer*PartialAdditional
Zurich Trauma Cover (Critical Illness)facial reconstructive surgery and skin graftingFullAdditional
Zurich Trauma Cover (Critical Illness)guillain barre syndrome*PartialAdditional
Zurich Trauma Cover (Critical Illness)loss of hearing in one earFullAdditional
Zurich Trauma Cover (Critical Illness)minimally invasive cardiac surgery – including coronary artery angioplasty*PartialAdditional
Zurich Trauma Cover (Critical Illness)single loss of limb or eyeFullAdditional
Zurich Trauma Cover (Critical Illness)benign tumour of the brain or spinal cordFullAdditional
Zurich Trauma Cover (Critical Illness)chronic kidney failureFullAdditional
Zurich Trauma Cover (Critical Illness)coronary artery bypass surgery*PartialAdditional
Zurich Trauma Cover (Critical Illness)diplegiaFullAdditional
Zurich Trauma Cover (Critical Illness)heart attack*PartialAdditional
Zurich Trauma Cover (Critical Illness)hemiplegiaFullAdditional
Zurich Trauma Cover (Critical Illness)loss of speechFullAdditional
Zurich Trauma Cover (Critical Illness)major organ transplantFullAdditional
Zurich Trauma Cover (Critical Illness)malignant cancer*PartialAdditional
Zurich Trauma Cover (Critical Illness)paraplegiaFullAdditional
Zurich Trauma Cover (Critical Illness)quadriplegiaFullAdditional
Zurich Trauma Cover (Critical Illness)stroke*PartialAdditional

*Disclaimer

This is only a rough guide to give you a general idea of how different brands provide you cover. Make sure you read through the Product Disclosure Statement (PDS) of the provider to understand:

  • What specific types of restrictions will apply to different types of conditions.
  • The policy definition for the condition

Information last checked on March 2017.

What to consider before you apply

Exclusion periods

For some medical conditions, there may be a period of time know as the 'exclusion period' where you won't be able to make a claim for. This exclusion period is usually 3 months or 90 days.

What types of conditions can this usually include?

  • Benign Brain Tumour
  • Cancer
  • Coronary Artery By-pass Surgery
  • Heart Attack
  • Heart Valve Surgery
  • Major Organ Transplant
  • Occupationally Acquired Hepatitis B or Hepatitis C Infection
  • Other Serious Coronary Artery Disease
  • Pulmonary Arterial Hypertension (primary)
  • Severe Diabetes
  • Stroke
  • Surgery to the Aorta

When does the exclusion period start from?

An exclusion usually starts from when:

  • Cover is activated
  • Your cover amount is increased
  • Cover being reinstated (If you stopped or paused your policy)

Full and partial benefits

When you make a claim for a condition you will either be paid out the original amount you insured (full benefit) or a percentage of that amount (partial benefit).

For example

  • You have a sum insured is for $100,000
  • You make a claim for the loss of a limb
  • A partial benefit of up to 25% is stated for conditions involving the loss of one limb

In this example you can only receive a maximum of $25,000 in payment.

Conditions that may receive partial benefits

  • Lost of one eye or limb.
  • Skin cancer
  • Coronary Artery Angioplasty
  • Diabetes
  • Carcinoma in situ

Note: This is not an exhaustive list.


Standard or Additional Cover

Most trauma insurance policies will offer two to three levels of cover. The base level of cover is your standard trauma insurance policy. After that you can pay an additional premium for greater protection. Some policies will have two levels of additional cover (three levels in total).

What's the difference between standard and additional trauma insurance

Each level of cover will offer varying amounts of protection. This can be in the form of:

  • The amount of conditions covered
  • The amount of conditions covered to the full benefit amount.

Sample policy

Here's an example policy:

Coverage levelConditions coveredAre conditions paid a full or partial benefit?
Standard2520 full and 5 partial
Plus4020 full and 15 partial
Premier4035 full and 15 partial

Note: This table is purely for illustrative purposes and is not indicative of an actual policy.

Compare trauma insurance cover from these direct brands

Rates last updated November 18th, 2018
Product details Maximum cover Maximum Entry Age Cooling-off
(days)
NobleOak Trauma Insurance
NobleOak Trauma Insurance
Get trauma insurance cover for 38 medical conditions including heart attack, stroke and coronary bypass surgery. $2,000,000 59 30 Get quoteMore info

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Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
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2 Responses

  1. Default Gravatar
    MichaelAugust 7, 2017

    Have you come across any trauma insurance paying out or covering for that matter PTSD?

    • Default Gravatar
      JonathanAugust 7, 2017

      Hello Michael,

      Thank you for your inquiry.

      Please be clarified that the “trauma” meant here is a serious injury or illness that may put the person in a critical condition. It is physical in nature.

      Post Traumatic Stress Disorder or PTSD on the other hand is psychological. You can read our guide on which health insurance options may be available for this condition.

      Hope this helps.

      Cheers,
      Jonathan

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