Trauma Insurance

Trauma Insurance

Protecting Australians when their lives are impacted by traumatic events and critical illness.
CANSTAR_DLI_Centre_320 CANSTAR_DLI_Centre_320 FINDER_Bottom-350px FINDER_Bottom-350px MOZO_Bottom-350px MOZO_Bottom-350px FEEFO_Bottom_2021-320 FEEFO_Bottom_2021-320
Middle aged Indigenous man explains surfing to his pre-teen children whilst at an Australian beach Middle aged Indigenous man explains surfing to his pre-teen children whilst at an Australian beach
Customers rate us 4.6
Based on 385 Service Ratings over the past year
Customers rate us 4.6

Some key features of our Trauma Insurance

Receive a lump sum payment with your recovery if you are diagnosed with one of 37 serious medical conditions listed within our PDS.

Up to $2 million cover,
paid as a lump sum

This cover pays a lump sum benefit on the
diagnosis of one of the 37 listed medical
conditions under NobleOak's Trauma Cover.

Cover for commonly claimed critical illnesses, plus more

Cover for Cancer, Heart Attack, Stroke and Coronary By-pass Surgery, as well as 33 additional conditions.

Dedicated claims

A dedicated claims consultant that will support you throughout the process.

Protecting Australians for over 140 years

One of Australia's longest life insurers with a heritage dating back over 140 years.

How much cover can I apply for?

Australian Residents between the ages of 18 and 59 can apply for up to $2,000,000 in cover.

Maximum Cover Level


Maximum Entry Age

59 years old

Guaranteed Renewable Age

70 years old

Financial Advice Benefit


What does our Trauma Insurance provide?

If you first suffer one of the Trauma Events listed and defined within the relevant PDS, while covered for Trauma Insurance, NobleOak will pay you the cover amount as a lump sum. NobleOak will require an unequivocal diagnosis by a Medical Practitioner before payment can be made.

When Trauma Insurance is taken with Life Insurance, you can apply for any level of cover up to your Life Insurance cover amount, to a maximum of $2 million. When applying for stand-alone Trauma Insurance, you can apply for any level of cover up to $2 million.

We understand that you may need some professional advice to ensure that the proceeds of a Trauma claim payment are managed appropriately. That is why we will reimburse the cost of engaging a qualified financial adviser, up to $2,000, to prepare a financial plan if we pay a Trauma benefit in excess of $200,000.

You can fix the cost of your cover at any time by writing to us with a request to freeze the premium amount. This means that:

  • Your future premiums will be fixed at the amount you were paying on the date of notification; and
  • Each year your cover amount will be adjusted to the amount of cover that can be purchased for the frozen premium.

You can write to us at any time to end the Premium Freeze Benefit and the premium freeze will end on the next anniversary of your cover.

To help protect you against inflation, your cover amount will automatically be increased at each policy anniversary using the Consumer Price Index. Your premium will be adjusted accordingly.

Policies, terms and conditions vary between Insurance Providers, so it’s always advised to read the Product Disclosure Statement (PDS) and compare covers before you apply for Life Insurance.

Download the Product Disclosure Statement (PDS)

Why choose NobleOak Life Insurance?

While we are very proud of the cover we provide, a simple belief in 'doing the right thing' sets us apart.

Low premiums

At NobleOak, you buy directly from us,
so you don't pay for the cost of advice
or for unnecessary overheads.

Fully underwritten insurance

We only offer fully underwritten Life
Insurance, tailored by you. This minimises
the risk of unforeseen delays or surprises
in the event of a claim.

Simple & straightforward

We aim to avoid overly complex terms.
We simply provide great value,
comprehensive Life Insurance.

Award winning

We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance in five consecutive years from 2016 to 2020.

Australia's most awarded Direct Life Insurer 2020

Our outstanding value products and personal service has resulted in us being the most awarded Direct Life Insurer in 2020.
CANSTAR_DLI_Centre_320 CANSTAR_DLI_Centre_320 FINDER_Bottom-350px FINDER_Bottom-350px FEEFO_Bottom_2021-320 FEEFO_Bottom_2021-320 PFL_OE_Bottom_320 PFL_OE_Bottom_320 MOZO_Bottom-350px MOZO_Bottom-350px FINDER_IP_Bottom_320 FINDER_IP_Bottom_320 CANSTAR_DIP_Centre_320 CANSTAR_DIP_Centre_320

Other NobleOak products to consider

Life Insurance

Protect your family against unforeseeable financial burden if you were to pass away unexpectedly, by providing them with a lump sum payment.

Income Protection

Receive regular payments to replace some of your income if you suffer a sickness or injury and can no longer work.

TPD Insurance

Receive a lump sum payment if you become permanently disabled as the result of sickness or injury and are unable to return to work.

Tools and guides

Find out how much Life Insurance and Income Protection cover you may need.

Life Insurance Calculator

Calculate how much cover you may need to protect you and your family.

Life Insurance Guides

Explore information about the value of Life Insurance for key life stages from starting out as a young adult, to downsizing and retiring.

Help protect your family with
NobleOak, Australia's most awarded
Direct Life Insurer 2020

White collar father sits and helps his son complete homework on the tablet White collar father sits and helps his son complete homework on the tablet
New Customer Enquiry Form
Existing Client Enquiry Form
Claims Support Form
Request a callback