What Does Trauma Insurance Cover?

If you first suffer a serious listed medical condition while you are covered for Trauma Insurance, NobleOak will pay you the cover amount as a lump sum, helping you to pay any treatment expenses that are not covered by your health fund, and adjust your life-style.  The money received will also help replace any lost income while away from work, particularly if you have used up all your sick leave and savings.

The main trauma events that NobleOak Trauma Insurance covers are:

  • Cancer
  • Coronary Artery Angioplasty
  • Coronary Artery By-pass Surgery
  • Heart Attack
  • Other Serious Coronary Artery Disease
  • Stroke

 

Other Trauma Events covered include:

  • Accidental HIV infection
  • Alzheimer’s Disease/Irreversible Organic Disorder
  • Aplastic Anaemia
  • Bacterial Meningitis
  • Blindness
  • Cardiomyopathy
  • Chronic Liver Disease
  • Chronic Lung Disease
  • Coma
  • Dementia
  • Diplegia
  • Heart Valve Replacement
  • Hemiplegia
  • Kidney Failure
  • Leukaemia
  • Loss of Hearing
  • Loss of Independence
  • Loss of Limbs and/or Sight
  • Loss of Speech
  • Major Brain Injury
  • Major Burns
  • Major Organ Transplant
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paraplegia
  • Parkinson’s Disease
  • Pulmonary Arterial Hypertension (Primary)
  • Quadriplegia
  • Surgery to Aorta
  • Terminal Illness
  • Viral Encephalitis

Please refer to the Product Disclosure Statement for the medical definitions of these conditions. The medical definitions that NobleOak uses may differ from some common perceptions of these conditions.

From 1 July 2017 NobleOak abides by the life insurance industry approved definitions for at least the three main trauma conditions of cancer, heart-attack and stroke.  The approved definitions can be found on the website of the Financial Services Council www.fsc.org.au