Existing customers – for more information regarding recent changes to your Income Protection or TPD insurance please click here

Existing customers – for more information regarding recent changes to your Income Protection or TPD insurance please click here

Trauma Insurance

Trauma insurance (also known as critical illness insurance) provides a lump sum payment if you are diagnosed with a serious medical condition covered by the policy. The proceeds of a claim may help you cover treatment expenses or adjust your lifestyle.
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Customers rate us 4.6
Based on 102 Service Ratings over the past year
Customers rate us 4.6

Help protect your loved ones with award-winning trauma insurance from NobleOak

Get a quote in under 2 minutes

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?

Why choose NobleOak?

Australia's most awarded direct life insurer five years running (2019 - 2023)

Our outstanding value life insurance products and personal service has resulted in us being the most awarded Direct Life Insurer for the past five years
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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.

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