INCOME PROTECTION INSURANCE

Trauma Insurance

#Trauma Insurance

Trauma Insurance pays a lump sum benefit if you are diagnosed with a critical illness that is specified in your Product Disclosure Statement (PDS). In order to receive a benefit, your condition must match or be worse than the definition provided in the PDS and you must survive for at least 14 days from the date of diagnosis.

The lump sum benefit can help to cover lost income so you can continue to pay your mortgage or rent, other debts, your day to day living expenses as well as helping to pay for medical expenses that result from your illness.

Insurers generally offer two trauma insurance types – Standard Trauma policies and Plus Trauma policies. Plus Trauma policies generally provide cover for a number of additional lesser critical illnesses on top of the conditions offered in a Standard Trauma policy. 

###Standard Trauma policies generally cover:

#####Heart conditions:

<table>
<tr>
<td>Heart Attack
</td>
<td>Repair or Replacement of a Heart Valve
</td>
<tr>
<td>Out of Hospital Cardiac Arrest
</td>
<td>Surgery of the Aorta
</tr>
<td>Coronary Artery Bypass Surgery
</td>
<td>Cardiomyopathy
</tr>
<td>Coronary Artery Angioplasty
</td>
<td>Open Heart Surgery
</tr>
<td>Coronary Artery Angioplasty – Triple Vessel
</td>
<td>Primary Pulmonary Hypertension
</tr>
</table>

#####Nervous system conditions:

<table>
<tr>
<td>Stroke
</td>
<td>Bacterial Meningitis and/or Meningococcal Septicaemia
</td>
<tr>
<td>Major Head Trauma
</td>
<td>Paralysis
</tr>
<td>Motor Neurone Disease
</td>
<td>Dementia including Alzheimer’s Disease
</tr>
<td>Multiple Sclerosis
</td>
<td>Coma
</tr>
<td>Muscular Dystrophy
</td>
<td>Encephalitis
</tr>
<td>Parkinson’s Disease
</td>
<td>
</tr>
</table>

#####Body conditions:

<table>
<tr>
<td>Cancer
</td>
<td>Loss of Hearing
</td>
<tr>
<td>Cancer of the Vulva or Perineum
</td>
<td>Chronic Liver Disease
</tr>
<td>Benign Brain Tumour or Spinal Cord Tumour
</td>
<td>Chronic Lung Disease
</tr>
<td>Blindness
</td>
<td>Severe Rheumatoid Arthritis
</tr>
<td>Chronic Kidney Failure
</td>
<td>Pneumonectomy
</tr>
<td>Major Organ or Bone Marrow Transplant
</td>
<td>Severe Burns
</tr>
<td>Loss of Speech
</td>
<td>
</tr>
</table>

#####Blood conditions

<table>
<tr>
<td>Occupationally Acquired HIV
</td>
<td>Aplastic Anaemia
</td>
<tr>
<td>Medically Acquired HIV
</td>
<td>Advanced Diabetes
</tr>
</table>

#####Other conditions

<table>
<tr>
<td>Intensive Care
</td>
<td>Loss of Independent Existence
</td>
<tr>
<td>Loss of Limbs or Sight
</td>
<td>Cognitive Loss
</tr>
<td>Loss of One Limb
</td>
<td>
</tr>
</table>

#####Plus Trauma Policies generally provide extra cover for the following additional conditions:

<table>
<tr>
<td>Adult onset type 1 diabetes after age 30
</td>
<td>Early stage melanoma
</td>
<tr>
<td>Benign tumour of the brain
</td>
<td>Early stage prostate cancer
</tr>
<td>Benign tumour of the spine
</td>
<td>Hydrocephalus
</tr>
<td>Carcinoma in situ of the breast
</td>
<td>Major burns
</tr>
<td>Carcinoma in situ of the female organs
</td>
<td>Serious accidental injury
</tr>
<td>Carcinoma in situ of the male organs
</td>
<td>Severe Chrohn’s disease
</tr>
<td>Colostomy and/or ileostomy
</td>
<td>Severe osteoporosis
</tr>
<td>Coronary artery angioplasty
</td>
<td>Severe ulcerative colitis
</tr>
<td>Early stage chronic lymphocytic leukaemia
</td>
<td>Single loss of limb or eye
</tr>
</table>

This is a general list only and different insurers may offer cover for different conditions. For a more specific list, please consult the PDS.

#####Policy options:

Child Trauma Insurance: Provides cover to your children for a range of trauma conditions. Select insurers offer up to $10,000 free child cover when you take out an insurance policy. You can choose to take out additional child cover at an extra cost.

Trauma Reinstatement: If you make a trauma insurance claim, you have the option of getting your trauma insurance reinstated 12 months after your trauma claim. The reinstated cover will exclude the condition and any related conditions for which the original claim was for.

If you would like more information on trauma insurance, please put through a quote request.


Information provided by [xLife Pty Ltd](http://www.xlife.com.au), a corporate authorised representative of Millennium3 Financial Services Pty Ltd, AFSL 244252.

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