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Trauma Cover

trauma cover

If you had just been diagnosed with cancer, or suffered a heart attack, or a stroke, would you prefer a get well card- or a cheque for $500,000?

 
Trauma cover, is the benefit that pays you a lump sum in the event of you suffering any one of 29-48 major illnesses.

- Not death, not even terminal illnesses.
- If you suffer any of the major illness's covered by your policy document, you get your cheque.
- You are paid, regardless of whether you were off work for a day, a month, or forever.
 

Are you prepared for a serious illness?

It's a fact of life that we all get sick, and sometimes seriously.

The cost of recovery from an illness like cancer or a heart attack can have a huge impact on your cash flow and lifestyle.
 

Think about it...

  • During a typical working life a person has a 25% chance of suffering one of the 29 events covered by Trauma cover.
  • Two in five men (40%) and one in four women between the ages of 30 and 64 suffer a major illness. (General Cologne Life Re Australia 2002)

  •  There were 18,586 (new registration for cancer in 2003)

  • The University of Auckland has revealed a 40% decline in the number of deaths after stroke in the total population of Auckland over the past 25 years. However, as the death Rate declines, these has been a significant increase in the number of patients with an impaired level of consciousness and mobility following stroke.
  • Fifty-two per cent of male cancer patients will be alive five years later; 59% of females will be alive five years later.
  • The leading cause of death of NZ males is cancer (26.8%) followed by Ischaemic heat disease (20,7%)
  • The leading cause of death for NZ females is cancer (25%) followed by Ischaemic heart disease (20.7%)
 

Did you know?

  • Women are more likely than men to get, but survive a serious illness.
  • One in seven of us will die during our working lives.
  • One in three people will suffer a major illness or injury that will stop them working for three months or longer
  • Cancer is the leading cause of a Trauma claim
  • The average age of Trauma claimants is 44-47
  • 77% of male Trauma cover claims are under age 50
 

Six good reasons to have Trauma cover:


1.   Financial survival

Many patients survive an illnesses only to be crippled financially.

2.   Medical advancements

Advances in medical science increasingly mean many serious illnesses (cancer, stroke, heart attack etc., can be treated successfully, prolonging life.

3.    Treatment expenses

A lump sum payment (on diagnosis) can give you instant cash to explore alternative treatment options.

4.   Loss of earnings

Trauma cover can protect your lifestyle helping yo to pay the mortgage and day-to-day living expenses, without putting additional strain on your finances.

5.    Protection for children

Children between the ages of three and 18 will automatically be protected against many of the serious illnesses covered by the Trauma benefits.

6.   Preparing yourself for the unexpected.
 

Suffering a major illness can put a huge financial strain on you, your business and your family.

Many people find it easier to recover from the illness or injury - than from the financial burden cause by the trauma.

 

It's all about protecting your lifestyle

New Zealanders are suffering an increasing incidence of cancer and we still suffer from high levels of heart disease and stroke.

It is important to understand the where in the past a serious medical condition often led to a swift death, this is no Longer the case - with consequential effects on lifestyle, family and business.

While a major illness sufferer may recover medically, the impact of the illness on their finances and lifestyle can be devastating.

Leading South African heart surgeon Dr Marius Barnard comments that he often saw patients surviving their illnesses, medically - only to be crippled financially.
 

What health events are included in Trauma cover*?

Alzheimer’s Disease or Dementia
Angioplasty
Aortic Surgery
Aplastic Anaemia
Benign Brain Tumour
Benign Spine Tumour
Blindness
Cancer
Cardiomyopathy
Chronic Kidney Failure
Chronic Liver Failure
Chronic Lung Failure
Coma
Coronary Artery Surgery
Creutzfeldt-Jakob Disease (CJD)
Deafness
Encephalitis
Heart Attack
Heart Valve Replacement
HIV – medically or occupationally acquired
Intensive Care
Loss of Independent Existence
Loss of Limb and Sight
Loss of Limbs
Loss of Speech
Major Burns
Major Head Trauma
Meningitis
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy
Organ Transplant
Out of Hospital Cardiac Arrest
Paralysis and Plegias
Parkinson’s Disease
Peripheral Neuropathy
Pneumonectomy
Primary Pulmonary Hypertension
Severe Inflammatory Bowel Disease
Stroke
Systemic Sclerosis
Terminal Illness
Total and Permanent Disability
 
 

What events are most likely to impact your lifestyle?

Statistics from leading insurance providers confirm that, on average, over 80% of Trauma claims (actual payouts) are for cancer, stroke and heart related conditions.
 

What do most people do with their Trauma payouts?

The latest survey from a major insurance provider showed that:

  • 60% clear their debts
  • 20% invest for income
  • 10% take a holiday
  • 8% buy a car
  • 2% do other things.
 

Summary

Trauma cover can provide financial stability when it's most needed - at the time of serious illness or injury.

A serious illness or injury can result in unforeseen expenses, such as the cost of medical treatment, rehabilitation and home help. Meanwhile, you'll probably still need to pay the mortgage, service other debt, run a business, and maintain your lifestyle etc.,
 

Just because your health suffers a temporary setback, why should your lifestyle suffer a permanent setback?

 
For a FREE, no-obligation, personal and confidential review, and quotes to add trauma cover to your lifestyle protection plan Click here

"Though no one can go back and make a brand new start,
anyone can start and make a brand new ending." 
Anon

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About Us

Futureproof Life is a family owned business specialising in risk management & lifestyle protection solutions for businesses & families.
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Phone 09 413 6070