Trauma Insurance Claims Support

If you have been diagnosed with a critical illness or suffered a serious injury, your trauma (critical illness) insurance may entitle you to a lump sum payment. We help you lodge and manage your claim.

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Who Is Eligible ?

Diagnosed Condition

You have been diagnosed with a listed critical illness or injury.

Active Trauma Policy

You hold trauma/critical illness cover through your super or retail policy.

Survival Period Met

You have survived the policy’s waiting period post-diagnosis (typically 14 days).

Within Policy Terms

Your condition meets the specific definition outlined in your policy wording.

Quick Answer

What is a Trauma Insurance Claim?

Trauma insurance (also called critical illness cover) pays a lump sum if you are diagnosed with a specified serious medical condition such as cancer, heart attack, stroke, or major organ transplant. It is designed to cover immediate costs and financial disruption — and unlike income protection or TPD, you do not need to stop working to be eligible.

The 3 Stages of Approval

Policy Check & Evidence Gathering

We review your policy terms, identify what evidence is needed, and coordinate with your doctors to build a strong claim file.

Claim Lodgement & Insurer Management

We submit the claim, respond to insurer queries, and manage all follow-up communications.

Lump Sum Payment

Once approved, your lump sum is paid directly. We ensure the process is completed as quickly as possible.

Why Professional Support Matters for Trauma Claims

Trauma policies have highly specific medical definitions. A diagnosis alone is not always enough — the insurer must confirm your condition matches the exact wording in your policy. Subtle differences in medical terminology can mean the difference between approval and rejection. We ensure your medical evidence is presented in the precise format insurers require, reducing delays and disputes.

Q. Do I need to stop working to claim trauma insurance?

No. Trauma insurance is triggered by diagnosis, not by your ability to work. You can continue working and still receive your lump sum payment.

Q. What conditions are covered under trauma insurance?

Common covered conditions include cancer, heart attack, stroke, coronary artery bypass surgery, and major organ transplant. Each policy has its own list of specified conditions — we help you check yours.

Q. Can I claim trauma and TPD at the same time?

Yes, if you hold both policies and meet the criteria for each. We can assess your full insurance position and help you lodge multiple claims simultaneously.

This guide was reviewed for medical and insurance accuracy by ClaimRight Advocacy Team.
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