Insurance: Life, Total Permanent Disablement and Trauma
Death or terminal illness from any cause
Total and Permanent Disability from your own Occupation
Trauma Event
The real benefit of trauma cover is having money while still alive to make important changes necessitated by a serious illness.
Core Definitions: Trauma Event
- Heart Attack*
- Stroke*
- Cancer*
- Open Chest Surgery for Coronary Artery Bypass, Heart Valve or Aorta*
- Cardiomyopathy
- Angioplasty (10% of sum insured)*
93% of all claims fall within the above definitions
Additional Definitions
- Kidney, Liver or Lung Failure
- Multiple Sclerosis
- Muscular Dystrophy
- Major Organ Transplant
- Paralysis: Paraplegia, Quadriplegia, Diplegia etc.
- Loss of Sight, Speech, Hearing or Limbs
- Alzheimer’s Disease
- Parkinson’s Disease
- Severe Burns
- Major Head Trauma, Coma
- Loss of Independent Existence, Dementia
- Aplastic Anaemia
- Motor Neurone Disease
- Pulmonary Hypertension
- Benign Brain Tumour
- Occupationally Acquired HIV
- Encephalitis
- Major Abdominal Aortic Surgery*
Note: Those conditions marked * are not covered until 90 days after risk commencement or reinstatement.
