Critical Illness Trauma Coverage

Life insurance policies can provide you and your family with financial certainty and support in the time of need.

One form of Life insurance is Critical Illness (Trauma) coverage which provide a lump sum benefit if you suffer a specified trauma during the life of the policy. You can usually choose from a standard (Basic) list of conditions or a more extensive list (Extended).

Basic trauma conditions insured

  • Benign tumour of the brain or spinal cord
  • Chronic kidney failure
  • Coronary artery bypass surgery*
  • Diplegia
  • Heart attack*
  • Hemiplegia
  • Loss of speech
  • Major organ transplant
  • Malignant cancer*
  • Paraplegia
  • Quadriplegia
  • Stroke*.

Any specified Trauma marked with an asterisk (*) cannot be claimed in the first 90 days following commencement of cover (the ‘elimination period’).

Above Trauma coverage example relates to the Zurich Life Insurance product. Refer to the Zurich PDS available from their website for full coverage details.