{"id":3012,"date":"2021-08-16T12:04:31","date_gmt":"2021-08-16T00:04:31","guid":{"rendered":"https:\/\/wisdom8.co.nz\/personal-insurance\/trauma-cover\/"},"modified":"2021-08-24T00:24:16","modified_gmt":"2021-08-23T12:24:16","slug":"trauma-or-critical-illness-cover","status":"publish","type":"page","link":"https:\/\/wisdom8.co.nz\/en\/personal-insurance\/trauma-or-critical-illness-cover\/","title":{"rendered":"Trauma or Critical Illness Cover"},"content":{"rendered":"

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Trauma or Critical Illness Cover<\/h1>\n

Provides a lump sum if you\u2019re diagnosed with a major illness such as cancer, heart problems or a stroke.<\/h5>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”1_5″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_sidebar area=”et_pb_widget_area_8″ admin_label=”Personal Insurance menu” _builder_version=”4.9.10″ _module_preset=”default” border_color_all=”RGBA(0,0,0,0)” global_module=”3102″][\/et_pb_sidebar][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text admin_label=”text” module_id=”life-cover” _builder_version=”4.9.10″ background_color=”rgba(255,255,255,0.7)” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”40px|50px|30px|50px|false|true” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Suffering a major illness such as cancer, a heart attack or stroke creates chaos in both your home and work environment; as well as doubt and fear for the future.<\/strong><\/h4>\n

\nTrauma cover levels selected by clients tend to vary; some choose a sum which would allow them to completely repay all of their outstanding debts, although even a small lump paid to you at such a time goes a long way in terms of relieving at least the financial stress, which can in itself make a significant difference to your recovery time.
\n
\nA limited form of trauma cover, covering conditions such as major head trauma, is also available for young children – some insurers will also offer free cover to children if either parent has their own cover.<\/p>\n

Severity Based Trauma Cover<\/strong><\/h4>\n

Payments are based on the severity of a traumatic major illnesses, the more serious it is, the greater the payment. It generally provides cheaper premium and could be a greater choice and flexibility, both as complementary cover and an alternative to traditional insurance products.<\/p>\n

Continually Trauma Cover<\/strong><\/h4>\n

Some Trauma products allow you the ability to claim up to 5 times on traumatic major illnesses, this does come with an increase in price due to the claim ability.<\/p>\n

<\/p>\n

These products can all be accelerated or stand-alone off the Life Cover.<\/p><\/blockquote>\n

[\/et_pb_text][et_pb_text admin_label=”Stepped Premiums and Level Premiums” module_id=”life-cover” _builder_version=”4.9.10″ background_color=”rgba(255,255,255,0.7)” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”40px|50px|40px|50px|false|false” global_module=”3225″ saved_tabs=”all”]<\/p>\n

What are Stepped Premiums and Level Premiums?<\/strong><\/h4>\n\n\n\n\n
\"\"<\/td>\nStepped Premiums<\/strong>
\nIncrease annually as you get older, but usually start cheaper.
\nTo cover short or medium term needs.<\/td>\n<\/tr>\n
\"\"<\/td>\nLevel Premiums<\/strong>
\nDon’t increase as you get older but usually start higher.
\nTo cover long term needs.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The plan details will vary from insurance company, please refer to the policy wording of the cover.<\/p>\n

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Trauma or Critical Illness Cover Provides a lump sum if you\u2019re diagnosed with a major illness such as cancer, heart problems or a stroke. 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