A serious medical diagnosis can have a major impact on your health, your income, and your family life — even if you recover and return to work. Trauma cover (also known as critical illness insurance) provides a lump sum payment upon diagnosis of certain serious conditions.
This payment gives you flexibility and financial breathing room when you need it most.
What trauma cover helps with
Trauma cover can support you by helping to:
Cover time off work during recovery
Pay medical or treatment-related costs
Reduce financial pressure during illness
Allow you to focus on recovery, not finances
It’s about choice — giving you options at a difficult time.
Conditions typically covered
Trauma policies generally cover a range of serious conditions, such as:
Cancer
Heart attack or stroke
Major organ failure
Other significant medical events
Each insurer’s definitions and coverage differ, which is why tailored advice matters.
Choosing the right level of cover
Trauma cover should reflect:
Your income and financial commitments
How long you could manage without working
Existing sick leave or savings
Other insurance you may already have
We help you strike the right balance between meaningful protection and affordability.
Advice you can trust
Trauma cover is one of the most commonly misunderstood types of insurance. Our role is to ensure you understand what you’re covered for, why it matters, and how it fits into your wider financial plan — without pressure or unnecessary complexity.