Trauma insurance cover and claims advice
Frequently Asked Questions
You will need to check the definition section in the policy. Get legal help if you’re unsure about any of the fine print.
Yes, usually self-inflicted injuries and extreme sport injuries are excluded.
Often trauma insurance policies are packaged as part of someone’s superannuation, so they may have more than one trauma policy if they have multiple super policies. It’s possible to claim against more than one trauma insurance policy.
Under some policies you have to tell your insurer about pre-existing health problems. If you don't, the insurer might try not to pay you—but often with help you can get them to pay.
As soon as possible, but you may be able to claim even after a long time.