Trauma insurance for blindness

Finding trauma cover for loss of eyesight.

Blindness and vision loss is a common problem in Australia. Vision Australia estimated that in 2013 there were 357,000 people in Australia who are blind or had low vision, which represented roughly 2% of Australia's population.

Trauma insurance can help you in the event you are no longer able to work because you've lost your ability to see. Trauma insurance pays a lump sum in the event you are diagnosed with a specified condition and blindness is on most lists for insurers.

Every insurer will have different conditions when it comes to what is and isn't cover and how they define blindness and loss of sight. For example, blindness and loss of sight maybe defined as:

Blindness is the complete and irrecoverable loss of the sight of both eyes (whether aided or unaided) as a result of sickness or injury. Loss of sight is defined as:

  • A field of vision constricted to 20 degrees or less of arc
  • Visual acuity less than 6/60 in both eyes after correction
  • A combination of visual defects resulting in the same degree of visual impairment as that occurring in either of the above

The benefits of trauma insurance for blind people

Taking steps to safeguard their future is something that many people want to do. Of course, you cannot predict what is going to happen in your life, which means that you cannot possibly protect yourself against everything. However, when it comes to something as serious and important as your sight – something that can affect your life in every way – it is a good idea to consider getting financial protection into place so that you do not have to cope with the financial side of things as well as the emotional and physical side of vision impairment and blindness.

If you take out trauma insurance for blind people in Australia you stand to receive a lump sum payment in the event of partial or complete blindness. Of course, the money is not going to make up for the loss of eyesight, as this can have such a profound impact on your quality of life. However, what the payout will do is enable you to ease the strain financially and make life a little easier while you get used to the situation.

The money that is paid out under the trauma policy can be used to cover the cost of treatment and medical bills if you are seeing someone about your loss of eyesight or impairment. You can also use the money towards covering any loss in come if you are unable to work and earn your living as a result of the condition. This means that your finances will be one less thing for you to worry about so you won't have to cope with stressing about money on top of everything else.

Comparing trauma insurance for blindness

If you want to take out cover to protect you financially in the event of vision impairment and blindness you need to look for the best deal possible by comparing the plans and providers on offer. You will find that the easiest way to do this is by comparing deals online. A range of providers offer trauma insurance for vision impairment and blindness, so you need to look at which of the plans you can afford as well as which ones offer the most suitable features and benefits.

When you compare trauma insurance for blindness you should compare factors such as:

  • The cost of the cover to ensure you can comfortably afford the premiums
  • The features of the plan so that you know exactly what the main benefits of the cover are
  • Any restrictions that come with the plan
  • Details of how the benefit is paid in the event that you do have to make a claim
  • Definition of eligibility so you know when you are and are not able to make a claim

What else does trauma insurance cover?

Trauma insurance generally covers 50 conditions including:

  • Alzheimers Disease
  • Aortic Surgery
  • Aplastic Anaemia
  • Benign Brain Tumour
  • Blindness
  • Severe Burns
  • Cancer
  • Cardiomyopathy
  • Coma
  • Coronary Artery Angiography
  • Coronary Bypass Surgery
  • Deafness
  • Dementia
  • Diplegia
  • Encephalitis
  • Hemiplegia
  • Heart Attack
  • H.I.V Accidental Infection
  • H.I.V Occupational Acquired
  • Kidney Failure Chronic
  • Loss of Limbs or Eye
  • Loss of Speech
  • Loss of Independent Existence
  • Lung Disease
  • Major Head Trauma
  • Major Organ Transplant
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Out of Hospital Cardiac Arrest
  • Parkinson's Disease
  • Peripheral Neuropathy
  • Pulmonary Hypertension
  • Quadriplegia
  • Stroke
  • Terminal Illness

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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Compare trauma insurance from direct brands

Product details Maximum cover Maximum Entry Age Cooling-off
(days)
NobleOak Trauma Insurance
NobleOak Trauma Insurance
Get a trauma benefit up to $2 million with cover for up to 37 medical conditions. $2,000,000 59 30 Get quoteMore info
Recover Well
Recover Well
Receive a lump sum payment up to $1,000,000 if diagnosed with a serious illness or injury. $1,000,000 59 21 Get quoteMore info

Maurice Thach

Maurice is a publisher for finder.com.au. Daily research of Australia's insurance offerings allows him to breakthrough the noise of the many policies out there to uncover what can (and can't) be covered. Maurice hopes to make finding the right insurance easier for all.

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