What is trauma insurance?
We understand that recovering from a significant illness or injury can feel like the world has turned upside down and we’re here to help. Maurice Blackburn’s trauma insurance lawyers can help you look through the terms and conditions in your unique policy so you know exactly what you can claim under trauma insurance without stress.
Understanding your full entitlements can be tricky when insurance policies and terms and conditions vary between insurers, but with our expert help you’ll have peace of mind knowing that you are claiming every last dollar you are owed.
What do trauma insurance claims cover?
Trauma insurance claims cover a number of conditions that will be listed on your unique policy. If you suffer from one of the listed conditions your trauma insurer will give you a lump sum pay-out.
Some of the conditions covered under trauma Insurance include:
- Heart attacks
- Multiple Sclerosis (MS)
To find out whether your condition is covered, check the definitions section of your policy or reach out to your local Maurice Blackburn team for expert, straightforward and accurate advice.
Why Maurice Blackburn?
We know that access to your full range of benefits as quickly as possible is crucial to getting your life back on track following a challenging illness or injury. That’s why we guide you through every single step of the trauma insurance claims process including:
- Giving advice on whether you have a valid claim
- Helping you understand your entitlements
- Lodging your claim and all the necessary supporting paperwork
- Having tricky conversations with your insurance company or super fund
- Fighting to get you every last dollar you deserve
Maurice Blackburn’s trauma insurance lawyers are experts and will take care of every last detail so you can focus on your recovery.
Our team has over 100 years of experience in Australia and we offer 'no win, no fee'* arrangements for trauma insurance cases. This means that you don’t pay if we don't win. We have trauma insurance lawyers across Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia.
Contact us today to receive a free trauma insurance claim check and find out how we can help.
Frequently Asked Questions
You will need to check the definition section in your policy to find out which medical conditions are covered. Get in touch with Maurice Blackburn if you’re unsure how to interpret any of the fine print in your policy. We can help you understand exactly what you’re covered for.
Yes, usually self-inflicted injuries, mental health issues and extreme sport injuries are excluded in trauma insurance policies.
Often trauma insurance policies are packaged as part of your life insurance policy or superannuation, so you might have more than one trauma policy if you have multiple super policies. It is possible to claim against more than one trauma insurance policy. If you’re unsure of whether or not you can claim on multiple policies, get in touch. Our expert trauma insurance lawyers can help clarify this for you.
Under some policies you have to tell your insurer about pre-existing health problems. If you don't, the insurer might try to avoid paying your benefit. But, with our help it’s likely that your insurer will pay out your full benefit.
Claiming as soon as possible is best, but you may be able to claim even after a long time following an injury or illness.
Many Australian trauma insurance policies include cancer but exclude non-melanoma skin cancer. However, skin cancers that have metastasised to other organs or, malignant melanoma tumours that are 1.5mm thick or more and a minimum of a Clark Level 3 will usually be covered. To be sure, always read your policy.
The main difference between trauma insurance and TPD insurance is that trauma insurance will pay you a lump sum for specific illnesses while you are trying to get back to work, while TPD insurance will usually only pay out your benefit if you can never go back to the job you are trained for.
Time limits for trauma insurance vary from state to state however, in general you usually have six years to claim from when your injury or illness occurred.
If your trauma insurance policy is held under your super fund you may even have 12 years to claim. To be sure, it’s best to consult your local Maurice Blackburn trauma insurance experts to find out what time limit applies to your unique situation.