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Benefits of Trauma Cover

If you get one of the defined serious illnesses or conditions for the first time, Trauma Cover will pay a lump sum amount, giving you the financial freedom to make your own choices about your future, at a time when your health has been seriously affected.

Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at October 2021 and is subject to change.

What’s covered?

You will receive a lump sum amount and it’s your choice how you use the money. Some examples of how this money can help are:

  • subsidise a lost income

  • cover day-to-day expenses (e.g. power, phone, food, petrol)

  • help cover debts e.g. mortgage, credit cards

  • assist with medical costs associated with recovery

  • seeking alternative treatments

  • paying for home alterations, rehabilitation and home help.

Alzheimer’s disease

Aortic surgery

Aplastic anaemia

Benign brain tumour or spinal cord tumour

Blindness+

Cancer*

Cardiomyopathy+

Chronic kidney (renal) failure+

Chronic liver failure+

Cognitive impairment

Coma

Coronary artery surgery*

Creutzfeldt-Jakob disease

Dementia

Encephalitis

End Stage Chronic Lung Disease+

Heart attack*

Heart valve replacement

HIV – medically acquired

HIV – occupationally acquired

Intensive care treatment

Loss of hearing+

Loss of independent existence

Loss of limb and sight

Loss of limbs

Loss of speech+

Major burns

Major head trauma

Meningitis and/or meningococcal disease

Motor neurone disease

Multiple sclerosis+

Muscular dystrophy

Open heart surgery

Organ transplant

Out of hospital cardiac arrest

Paralysis

Parkinson’s disease

Peripheral neuropathy

Pneumonectomy

Primary pulmonary hypertension

Severe diabetes

Severe inflammatory bowel disease

Stroke*

Systemic sclerosis+

Terminal Illness* (only if Trauma Cover – standalone has been selected)

Total and permanent disability (only if the Optional Total and Permanent Disablement Benefit has been selected)

Triple vessel angioplasty*

Systemic lupus erythematosus (SLE) with lupu nephritis

* No cover is provided for the 90 days immediately following the receipt of the application form by Cigna.

+ Upon meeting the diagnosis criteria of 1 of these conditions a diagnosis payment may be made.

Adult insulin dependent diabetes mellitus

Angioplasty*

Burns of limited extent

Carcinoma in situ*

Chronic lymphocytic leukaemia*

Colostomy and/or ileostomy

Early stage malignant melanoma*

Heart valve replacement*

Loss of limb

Low grade prostate cancer*

Severe osteoporosis

Severe rheumatoid arthritis

Cerebral aneurysm

Hydrocephalus

* No cover is provided for the 90 days immediately following the receipt of the application form by Cigna.

You will receive a lump sum amount and it’s your choice how you use the money. Some examples of how this money can help are:

  • subsidise a lost income

  • cover day-to-day expenses (e.g. power, phone, food, petrol)

  • help cover debts e.g. mortgage, credit cards

  • assist with medical costs associated with recovery

  • seeking alternative treatments

  • paying for home alterations, rehabilitation and home help.

Alzheimer’s disease

Aortic surgery

Aplastic anaemia

Benign brain tumour or spinal cord tumour

Blindness+

Cancer*

Cardiomyopathy+

Chronic kidney (renal) failure+

Chronic liver failure+

Cognitive impairment

Coma

Coronary artery surgery*

Creutzfeldt-Jakob disease

Dementia

Encephalitis

End Stage Chronic Lung Disease+

Heart attack*

Heart valve replacement

HIV – medically acquired

HIV – occupationally acquired

Intensive care treatment

Loss of hearing+

Loss of independent existence

Loss of limb and sight

Loss of limbs

Loss of speech+

Major burns

Major head trauma

Meningitis and/or meningococcal disease

Motor neurone disease

Multiple sclerosis+

Muscular dystrophy

Open heart surgery

Organ transplant

Out of hospital cardiac arrest

Paralysis

Parkinson’s disease

Peripheral neuropathy

Pneumonectomy

Primary pulmonary hypertension

Severe diabetes

Severe inflammatory bowel disease

Stroke*

Systemic sclerosis+

Terminal Illness* (only if Trauma Cover – standalone has been selected)

Total and permanent disability (only if the Optional Total and Permanent Disablement Benefit has been selected)

Triple vessel angioplasty*

Systemic lupus erythematosus (SLE) with lupu nephritis

* No cover is provided for the 90 days immediately following the receipt of the application form by Cigna.

+ Upon meeting the diagnosis criteria of 1 of these conditions a diagnosis payment may be made.

Adult insulin dependent diabetes mellitus

Angioplasty*

Burns of limited extent

Carcinoma in situ*

Chronic lymphocytic leukaemia*

Colostomy and/or ileostomy

Early stage malignant melanoma*

Heart valve replacement*

Loss of limb

Low grade prostate cancer*

Severe osteoporosis

Severe rheumatoid arthritis

Cerebral aneurysm

Hydrocephalus

* No cover is provided for the 90 days immediately following the receipt of the application form by Cigna.

Is Trauma Cover right for me?

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