Is Trauma Insurance the same as Total and Permanent Disability Insurance?

No, Trauma Insurance is different from Total and Permanent Disability Insurance.

Trauma benefit is paid if you are diagnosed with a serious listed medical condition, regardless of the level of disability that results, or your capacity to work.

Total and Permanent Disability 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 Total and Permanent Disability Insurance you could only claim a benefit when, and if, the cancer renders you totally and permanently disabled.