Trauma Insurance Claims - Australia

Do you need help making a claim on a Trauma Insurance Policy?
Is your insurance company giving you the run-around?

Has your claim been denied?

You can find out what your legal rights are by contacting us today. Our information service aims to provide Australians with access to insurance lawyers who will fight for claimant’s rights and entitlements under the law. If you need obligation-free legal advice about making a trauma insurance claim, just complete the Contact Form and one of our lawyers will be in touch with you as soon as possible. Or call our free legal helpline on 1800 352 100 to speak with one of our lawyers.

What is trauma insurance (also known as ‘trauma cover’)?

Trauma insurance pays a lump sum if you suffer from one of the specified major diseases or injuries covered by the policy, such as a heart attack, stroke, cancer or blindness.

Trauma cover can usually be purchased as a stand-alone cover or as an option to Life cover or with an optional TPD cover.

The policy may specify full or partial payment, depending on the type of illness or injury you have. Your payout may be a one-off lump sum payment or a series of installment payments over a specified period.

Examples of illnesses and injuries that might be covered:

Heart Disorders

Heart Attack
Cardiac Arrest
Cardiomyopathy
Coronary Artery Disease Requiring By-Pass Surgery
Coronary Artery Angioplasty
Heart Valve Surgery
Aortic Surgery
Primary Pulmonary Hypertension
Open Heart Surgery

Neurological Disorders

Stroke
Major Head Trauma
Motor Neurone Disease
Multiple Sclerosis (MS)
Muscular Dystrophy
Paraplegia
Quadriplegia
Hemiplegia
Diplegia
Tetraplegia
Dementia
Alzheimer's Disease
Coma
Encephalitis
Parkinson's Disease
Cognitive loss

Blood Disorders

Occupationally Acquired HIV
Medically Acquired HIV
Aplastic Anaemia
Advanced Diabetes

Body Organ Disorders

Cancer
Cancer of the Vulva, Perineum, Cervix, Uterus, Vagina
Breast Cancer
Prostate Cancer
Benign Brain Tumour
Chronic Kidney Failure
Major Organ or Bone Marrow Transplant
Placement on a waiting list for Major Organ Transplant
Severe Burns
Loss of Speech
Loss of Hearing/ Deafness
Loss of Sight/ Blindness
Chronic Liver Disease
Chronic Lung Disease
Severe Rheumatoid Arthritis

Other Events

Serious Injury
Critical Care
Loss of Limbs
Loss of Independent Existence
Diabetes Complication
Chronic Lymphocytic Leukaemia
Hydatidiform Mole
Melanoma
Severe Osteoporosis
Terminal Illness
Meningitis
Meningococcal Disease
Paralysis of a single limb
Severe Endometriosis

When should you get legal advice?
If you have any concerns about your entitlements, for example your insurance company has denied your claim or hasn’t paid you your full entitlements then you should get independent legal advice right away. You may be able to lodge an appeal with the insurer, and if necessary make a complaint to an independent body, tribunal or court.

If you need help, please contact our referral service by completing the online Contact Form. This is an obligation-free service. Our Australian lawyers are highly skilled insurance lawyer who can help you with your trauma insurance claim.