Does Trauma Insurance cover Leukaemia?

When you purchase Life insurance with NobleOak, you can also apply for separate cover in the form of Trauma Insurance.

Trauma Insurance cover provides extra financial security in the event of one of the 38 serious health conditions listed under the policy being diagnosed or occurring. These listed conditions include Leukaemia.

NobleOak’s Trauma policy also covers Heart Attack, Cancer, Stroke, and Coronary Artery Bypass Surgery. These four medical conditions account for over 90% of Trauma Insurance claims in Australia.

About Leukaemia

Better Health defines Leukaemia as cancer that affects the blood and the bone marrow. Blood is made up of plasma which contains three types of cells:

  • Red, which transport oxygen.
  • White, which fight infection.
  • Platelets, which help to stop excess bleeding.

In a healthy person, Better Health states that these three types of cells are kept in balance.

When a person has leukaemia, too many abnormal white cells are made crowding out normal white blood cells, as well as red blood cells and platelets, upsetting this finely-tuned balance.

According to the Leukaemia Foundation, Leukaemia can occur suddenly (acute) which requires immediate treatment, or more slowly (chronic) which develops over a longer period.

There are four types of Leukaemia – Acute or Chronic Leukaemia of the lymphocytic cells, and Acute or Chronic Leukaemia of the myeloid cells.

There is also a condition called Bi-Phenotypic Leukaemia, which affects both types of cells.

The Leukaemia Foundation states that Acute Lymphocytic Leukaemia is the type that is most common in children, while the chronic types and Acute Myeloid Leukaemia occur more frequently in adults.

Causes, symptoms and diagnosis of Leukaemia

The specific causes of this condition aren’t clear according to Better Health, but risk factors include past intense radiation or benzene exposure, smoking, genetic predisposition and family history.

Symptoms of the condition may include weakness and tiredness, regular infections, excess bleeding or joint pain, anaemia, swollen lymph glands, weight loss, and also discomfort in the abdominal region.

Many of these symptoms can of course be indicators of many other medical conditions, which emphasises the importance of obtaining a full and proper diagnosis as soon as possible.

Better Health details that Leukaemia is usually diagnosed through blood tests and also biopsies of the bone marrow and lymph nodes, a lumbar puncture and various scans.

Treatments may involve chemotherapy, radiotherapy, steroids, stem-cell transplants, and also Vitamin A therapies.

According to the Leukaemia Foundation, there are roughly 3,000 people diagnosed each year with Leukaemia in Australia.

The most common type is Chronic Lymphocytic Leukaemia, which accounts for around 1,000 cases each year, most of whom involve patients who are over 60 years of age.

NobleOak’s Trauma Insurance

Trauma Insurance can provide a lump sum payment of up to $2 million for any of the serious medical conditions listed under the policy, including Leukaemia. The amount of Trauma Cover available is determined at the time of Application.

In the event of a claim, the payment can be used to fund ongoing (and possibly expensive) medical treatment, complete any necessary modifications to the home due to the changed medical circumstances, replace lost income, or for any other purpose including mortgage repayments, meeting day to day family living expenses and ongoing educational expenses, or to take a holiday.

The cost of NobleOak’s Trauma Insurance cover depends on the amount of cover proposed, and also the age and health of the life insured. It’s wise to consider Trauma Insurance cover as part of your overall Life Insurance portfolio when you are younger and healthier as this will secure lower premiums. This cover is available to people aged 16 to 59, and is renewable up to age 70.

While Life Insurance provides cover in the event of an untimely death, Trauma Insurance provides payment on the diagnosis of one of the 38 medical conditions listed under the policy.

Trauma Insurance can provide immediate financial assistance and an additional layer of financial protection for you and your family.

Contact NobleOak if you would like a no-obligation Trauma Insurance quote.

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