Help protect your loved ones with award-winning trauma insurance from NobleOak
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Winner of Best Trauma - Stand Alone & Best Trauma - Rider (Plan for Life 2023)
We are the most awarded direct life insurer in Australia 2019-2023
What is trauma insurance?
NobleOak’s Trauma Insurance provides a lump sum payment if you are diagnosed with Cancer, suffer a Heart Attack or Stroke, or require Coronary Artery By-pass Surgery, as well as covering you for 33 additional serious medical conditions listed in our PDS. You’ll need to meet the definition of the condition as defined in the PDS. The severities are defined in PDS for each condition.
Common questions you may have about trauma insurance
Trauma insurance is different from TPD insurance. Trauma cover pays a lump sum benefit if you are diagnosed with a serious listed medical condition, regardless of the level of disability that results, or your capacity to work. A TPD benefit is paid if you become totally and permanently disabled due to sickness or injury and are unable to work again.
For example, if you are diagnosed with Cancer, under trauma insurance you will receive a payment on diagnosis, but under TPD insurance you could only claim a benefit when, and if, the cancer renders you totally and permanently disabled.
The four most common trauma conditions are Cancer, Heart Attack, Stroke and Coronary Artery By-Pass surgery.
However, NobleOak Trauma Insurance provides cover for 33 additional serious medical conditions. See the PDS for the full list.
The level of trauma insurance you may need depends on your circumstances and what other insurances you may hold.
You may wish to consider your current financial commitments to determine the benefit amount you might need if you suffered from a defined serious medical condition. Many people consider choosing an amount that will reduce their debts, help with treatment costs, fund any home modifications, or help with household expenses or any loss of income whilst they focus on their recovery.
Trauma insurance premiums are generally higher than life cover and TPD insurance premiums, particularly at older ages, so that may also influence the amount of cover you choose.
Our life insurance calculator may help to provide you with more guidance on how much insurance you need for your personal circumstances.
What trauma insurance options are available?
Add as an option with your life cover
Trauma insurance can be added as an option within life cover. You can choose any level of cover up to your life insurance cover amount, to a maximum of $2,000,000. In the event of a claim, your selected trauma insurance cover amount will be advanced from your life insurance. You can get an estimate of the likely premiums you would pay for this type of cover by using our quote tool. First, get a quote for life cover, then add trauma insurance as an option.
Take as stand-alone cover
You can also purchase trauma insurance as stand-alone cover, without life cover. Choose a level of cover that suits you, up to a maximum of $2,000,000. Stand-alone trauma insurance is subject to a survival period, which is a period of at least 14 days that the person who is insured must survive after a trauma event without the aid of an artificial life support system. To request a stand-alone trauma insurance quote, call us on 1300 041 494.
Why choose NobleOak?
Competitive Insurance Premiums
At NobleOak, you are able to buy trauma insurance directly from us, so there are no unnecessary overheads, such as commissions to advisers. This lets us pass those savings back to you.
Award Winning Life Insurance
We provide quality life insurance with competitive premiums and exceptional service. That is why we are Australia’s most awarded Direct Life Insurer from 2019-2023 and the only life insurer to win the Canstar Outstanding Value Award for Direct Life Insurance for eight consecutive years from 2016 to 2023.
Australian Call Centre
We are an Australian based life insurer. NobleOak’s sales and service representatives are all located in Australia. In 2022, NobleOak was recognised as the number one sales contact centre in Australia across six different industries by GRIST, an independent tactical consulting and behavioural analytics company.
Fast Claims Processing
Our fully underwritten process ensures more certainty in the event of a claim. Our dedicated Australian based claims consultants aim to make claims payments within five business days (on average) after receiving all the required documentation and approving your claim.
To get started, get a trauma insurance quote or give us a call.
Get a no-obligation quote online, or with one of our friendly representatives.
Apply online or over the phone.
Apply online or over the phone. It is likely you will be able to apply online, however applicants with selected occupations will be required to have a chat with one of our team representatives.
In some cases, you might be required to undertake medical tests which NobleOak will pay for.
In some instances, depending on your answers to the health and lifestyle questions we ask during the application process, we may require you to undertake medical tests. If a doctor’s report or blood test is required, we will arrange this at our cost.
You are protected!
If accepted, your policy will be in place straight away.