Does Trauma Insurance cover Quadriplegia?

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

Trauma Insurance can provide crucial financial support if you are diagnosed with one of the 38 listed medical conditions – one of which is quadriplegia.

What is quadriplegia?

According to Spinal Cord Injuries Australia (SCIA), quadriplegia is the loss of function below the neck, affecting all four limbs as well as the nerves and organs.

The most usual cause of quadriplegia is spinal cord injury, with sporting and motor vehicle accidents and severe falls being the most common causes.

According to Better Health Channel, there are approximately 8,000 people living with quadriplegia in Australia, with the highest population group for spinal cord injury being younger males.

How it can affect your life

According to SCIA, it is important to reduce inflammation right after the injury and limit cell death as much as possible in order to facilitate recovery, which can take up to 18 months.

Intense activity-based exercise is also important to help increase muscle mass and activity, improve circulation, reduce loss of bone density and improve independence and quality of life. SCIA also states that unfortunately only a small proportion of patients recover all of their previous function.

People living with quadriplegia will require a considerable amount of care. According to SCIA, this could include physiotherapy, personal care, household and domestic services, nursing, respite and transport assistance. They may also require assistance devices such as wheelchairs, shower chairs, adjustable beds and modified vehicles.

How NobleOak’s Trauma Insurance can help

NobleOak’s Trauma Insurance pays a lump sum up to $2 million if you are diagnosed with one of the listed 38 medical conditions outlined in the PDS – regardless of whether or not it can be successfully treated.

A Trauma Insurance payment can be used however you like. For example, you may need this money to:

  • pay for medical treatments including specialists, hospitals, and Medicare or health insurance gaps
  • pay household bills and expenses
  • clear your debts or get ahead in your mortgage payments
  • replace your partner’s income if they take time off work to provide care
  • make any necessary modifications to your home
  • hire additional help with housework or child care.

Is Trauma Insurance right for you?

If you and your family are likely to experience financial stress if you suffered a serious illness, then Trauma Insurance should be an important consideration for you. Commencing Trauma Insurance while you are healthy will help minimise the premium costs.

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