Trauma Insurance

The diagnosis of a serious illness is devastating in any circumstances but the burden will be far greater if your financial security is also put at risk.

Although there is a 1-in-3 chance of suffering from a serious illness before age 65, current survival rates mean that many patients go on to make a full recovery and enjoy a good quality of life.

A person suffering from one of the four main critical illnesses (heart attack, heart disease, cancer or stroke) has a nearly 50% chance of surviving for up to 10 years beyond the critical incident.

However, in many cases this involves a reduced working capacity and necessitates significant lifestyle changes and costs. A lump sum benefit can make a real difference in meeting these costs.

Please note that there are many trauma products which only cover 10 events. These are normally offered by financial institutions like banks. For similar or cheaper premiums you can be covered for up to 44 events.

These are listed below:

Trauma Cover Conditions

  • Accidentally acquired HIV,
  • Adult onset diabetes
  • Alzheimer’s disease
  • Angioplasty
  • Aorta surgery
  • Aplastic anaemia
  • Benign brain tumour
  • Cancer
  • Cardiomyopathy
  • Cerebrovascular accident (stroke)
  • Chronic liver failure
  • Chronic lung failure
  • Chronic renal (kidney) failure
  • Coma
  • Coronary artery bypass surgery
  • Dementia
  • Encephalitis
  • Heart valve surgery
  • Intensive care
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major head trauma
  • Major organ transplant
  • Meningitis
  • Motor neurone disease
  • Multiple sclerosis,
  • Muscular dystrophy
  • Myocardial infarction, (heart attack)
  • Occupationally-acquired HIV
  • Open heart surgery
  • Out of hospital cardiac arrest
  • Paralysis
  • Parkinson’s disease
  • Primary pulmonary hypertension
  • Severe burns
  • Severe osteoporosis
  • Severe rheumatoid arthritis
  • Total blindness
  • Total deafness.

Match your Situation with the correct Insurance for your family's needs

For a personal Insurance assessment that will match your situation to the Insurance products which are in your best interest, talk to your local Lloyd's Insurance Adviser, or call us at any time on 07 572 1599 (+64 7 572 1599).