NobleOak Critical Illness Cover

Receive up to $2 million in Trauma Cover for 37 serious medical conditions with NobleOak

NobleOak Trauma Insurance will provide a lump-sum benefit of up to $2 million if you are diagnosed with a listed medical condition so you can focus on your recovery. The policy will provide cover for Heart Attack, stroke, Cancer, Coronary Bypass Surgery and 33 additional medical conditions.

This review will outline the key benefits of the policy and key steps to apply. If you are ready to receive a quote, follow the secure link below to receive a quote and apply.

Get a quote online for NobleOak Critical Illness Insurance

Rates last updated October 24th, 2017
Name Product Maximum cover Maximum Entry Age Expiry Age Short Description
Get trauma insurance cover for 38 medical conditions including heart attack, stroke and coronary bypass surgery.

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Maximum entry age

Please note maximum age at entry for NobleOak Critical Illness Cover is 59

Features of NobleOak Trauma (Critical Illness) Cover

Your trauma insurance premiums with NobleOak will be calculated based on your age, your gender, whether you smoke, your occupation, past times and of course your health. With the complete NobleOak Premium Life Direct Plan you can be covered with life insurance, total and permanent disability insurance, and trauma insurance. To apply to NobleOak Trauma (Critical Illness) Cover you must be between 16 and 60 years old, yet your life cover will remain valid until you are 70 years old, as long as you pay your premiums on time.

Some key features of the NobleOak Trauma (Critical Illness) Cover are:

    • Maximum Sum Insured: $2 Million
    • Range of Conditions: NobleOak will provide benefit payment for up to 37 major conditions including, but not limited to, cancer, coronary artery angioplasty, coronary artery by-pass surgery, heart attack, other serious coronary artery diseases, stroke, Alzheimer's Disease, blindness, kidney failure, major burns and Parkinson's Disease.
    • Indexation: Benefits are automatically indexed by a minimum of 3% and maximum of 5% before the policyholder reaches the age of 65.
    • Maximum Cover Age: Benefit payments will cease at the age of 70.
    • Coronary artery angioplasty: NobleOak will provide 25% of the benefit capped at a maximum of $25 thousand.

Additionally, if you're insured under NobleOak Critical Illness Cover, you will also have access to:

  • Financial Advice Benefit: Reimburses up to $2,000 for the cost of hiring a financial adviser to prepare a financial plan after a payout of more than $200,000.
  • Premium Freeze Benefit: Gives you the option to freeze your premium at the current amount and unfreeze it again at any time.
  • Funeral Benefit: Pays a benefit of $5,000 if you die and no other benefits are payable under your stand-alone Trauma Insurance.

How to choose trauma insurance

Trauma insurance and critical illness insurance protect you from all of the worst medical events, which could unexpectedly affect your health and life. However, each trauma policy will offer different inclusions and benefits, so to make sure you’re getting the most comprehensive coverage, which will be there for you if the worst were to happen, compare the following features:

      • Conditions covered. Be sure to read the policy document carefully and compare the conditions, which are covered, and how they are defined. Each insurer will use a slightly different definition and include a slightly different list of eligible illnesses and trauma events. There may also be limitations on the benefit payable on certain conditions.

NobleOak has been offering insurance products to Australians for over 135 years, and they understand we always like to look on the bright side. This makes it easy for us to believe that nothing bad will ever happen to us, which is why NobleOak have included trauma insurance in their Premium Life Direct Plan, to make it easy to protect you against the worst, without having to worry about what might happen.

Who's eligible for this policy?

To be eligible for NobleOak Trauma Insurance, you must:

  • Be an Australian resident aged between 18 and 59.
  • Choose Trauma Insurance as a standalone product.
  • If you choose it as an optional cover, the benefit will be advanced from your Life Cover if you suffer a specified trauma event.

Note: The cover expiry age is 70 years of age.

When won't NobleOak pay benefits?

NobleOak Trauma Insurance will not pay a benefit in the following circumstances:

  • If you have a standalone policy and you do not survive a specified trauma event for at least 14 days without the aid of an artificial life support system.
  • If you suffer a trauma event with a waiting period within 90 days of your policy commencing or being reinstated or your benefit increasing.
  • If the trauma event is caused by an intentional self-inflicted injury or attempted suicide within 13 months of your policy commencing or being reinstated or your benefit amount increasing.

How to apply

  1. You can either get a quote online or by giving NobleOak a call.
  2. You'll go through a full medical and lifestyle questionnaire over the phone with them.
  3. Your application will be sent off to their Underwriters for assessment.
  4. Once approved, they will give you a call and organise a date to activate your cover.

William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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