TRAUMA INSURANCE

Discover a smarter way to insure your
future with NobleOak’s award-winning
Trauma Insurance.

Plus, receive your first month free^

GET A QUOTE

Maximum Cover Level

$2,000,000

NobleOak’s Premium Life Direct products include comprehensive Trauma Insurance cover of up to $2,000,000. This cover pays a lump sum benefit on the diagnosis of one of the 38 listed medical conditions under NobleOak Trauma cover.  Trauma Insurance is available as an optional extra with Life Insurance or stand-alone cover.

Where Trauma Insurance is taken with Life Insurance, any claim paid will reduce the remaining Life Insurance cover amount by the amount of the Trauma Benefit paid. For stand-alone Trauma Insurance, any claim paid will have no impact on any other insurance cover you hold with NobleOak.

Maximum
Entry Age

59

To be eligible for Trauma cover, you must be an Australian resident and aged between 18 and 59. Our Trauma cover is priced using stepped premiums which means  your premiums will increase each year in line with your age and CPI (where your monthly benefits are indexed to keep pace with inflation).

Guaranteed Renewable Age

70

Provided you pay your premiums as they fall due, NobleOak guarantees to renew your Trauma cover each year up to the age of 70. Your Trauma Insurance cover will not be cancelled, nor will your premiums be increased due to any future change in your state of health, lifestyle, occupation or pastimes.

Trauma Events Covered

38

NobleOak’s Trauma Cover provides you with protection in the event you suffer from any one of the 38 listed medical conditions including Cancer, Heart Attack, Stroke and Coronary Artery By-pass Surgery. NobleOak will require an unequivocal diagnosis by a Medical Practitioner before payment can be made.

Financial
Advice Benefit

$2,000

We appreciate that you may need to seek professional financial advice to ensure that the proceeds of a Trauma claim payment provide you with appropriate financial security. With this in mind we will reimburse the cost of engaging a qualified and licensed financial adviser, (up to $2,000) if required, to prepare a financial plan for you when we pay a Trauma claim in excess of $200,000.

NobleOak’s Premium Life Direct products include comprehensive Trauma Insurance cover of up to $2,000,000. This cover pays a lump sum benefit on the diagnosis of one of the 38 listed medical conditions under NobleOak Trauma cover.  Trauma Insurance is available as an optional extra with Life Insurance or stand-alone cover.

Where Trauma Insurance is taken with Life Insurance, any claim paid will reduce the remaining Life Insurance cover amount by the amount of the Trauma Benefit paid. For stand-alone Trauma Insurance, any claim paid will have no impact on any other insurance cover you hold with NobleOak.

Trauma Insurance Features

Indexation Protection

To help protect you against inflation, your Trauma cover sum insured will increase each year using the Consumer Price Index. Your premiums will be adjusted accordingly with these increases.

Dedicated Claims Support

If you or your family need to make a claim you’ll be assigned a dedicated claims consultant based here in Australia. This consultant will support you throughout the claim process.

Cover with Global Backing

NobleOak’s products are backed by Hannover Life Re who is a leading global reinsurer. We are also an APRA regulated Life Insurer with a history dating back over 140 years.

Trauma Events Covered

Main Trauma Events

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

Other Trauma Events

  • 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

See our PDS for full definitions, conditions, waiting periods and any exclusions applicable for each Trauma Event.

Premium Freeze Benefit

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.
  • Each year your Trauma cover sum insured will be reduced to the amount of cover that could be purchased with the frozen premium.

You can write to us at any time to end the Premium Freeze Benefit and the premium freeze will be removed on the next anniversary of your cover. Your cover will then revert to the normal premium and cover increases each year thereafter.

ASIC & APRA Regulated Cover

NobleOak Life Limited (NobleOak) is regulated by ASIC and APRA in accordance with section 16C of the Life Insurance Act.

Here's What Our Clients Have To Say

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Affordable insurance and fast friendly service.
Darren J
,
11 December 2019
I was kept up to date through the whole process, very friendly service.
Karen L
,
27 March 2019
Their Customer Service was first rate. Everyone I dealt with through the application process was fabulous. They kept me informed every step of the way and I didn't need to follow up on anything. Very impressed. Would thoroughly recommend them.
Phyllis K
, SA
26 March 2019
Great to deal with. Kept me in the loop throughout the whole process. Good level of communication and I made significant savings on my life insurance premiums over the competitors.
Paul A
,
11 March 2019
Excellent customer service. The process to buy Income Protection Insurance was very easy and the customer service team very helpful and knowledgeable. After I had applied I requested some additional information which was sent to me within a day. That's great customer service to have a good response time even after the initial sale had been made by Noble Oak.
Leo
,
4 March 2019
Your representative was patient, concise, understanding and above all very pleasant to speak and deal with. It was his influence that had me convinced to proceed with your product.
Keith G
,
27 February 2019
Excellent to deaf customers. They communicate well to deaf customers by using sms texts and emails. Other companies just ring my number all day long.
Ronald F
,
26 February 2019
Great service. The customer service is great. They are friendly and very helpful and it was a pleasure dealing with them.
Annette M
,
20 February 2019
I am very pleased with Noble Oak and the ease with which the transaction was finalised. I wouldn't hesitate to use them again or to recommend them to my family and friends.
Roberto F
,
6 February 2019
Each phone call and email was answered by a person who knew the answers to my queries very polite and courteous at all times.
Craig T
,
24 January 2019
Very helpful, informative and great communication. I’m very happy to have been approved into the Noble Oak community Happy customer that’s me!
Dianne M
,
16 January 2019
It's good for elderly people. Quite affordable and good conditions.
Vaulina B
,
19 December 2018
Great service, honest advice, prompt follow up, extremely competitive premium and deal. Thanks Noble Oak.
Vijay C
,
23 November 2018
Superb and excellent! The premium is much lower compared to the others. The process of getting their insurance is fast and well coordinated.
Brian
,
21 November 2018
They were helpful, friendly and nothing seemed to be an issue for them even when I needed to amend some of the questions on the proposal. I received phone calls to advise of the next step and the Nurse that came to our house on a weekend was so friendly and professional in her duties.
Paul J
,
20 November 2018
Fantastic customer service, competitive costs for income protection attracted me to switch over from other insurance. Follow up by NobleOak team including approval of quote is excellent and made me comfortable and happy. Highly recommend this income protection policy.
Girija P
,
15 November 2018
Was a quick and easy process. Price is a lot cheaper than other providers.
Margaret C
, NT
31 July 2018
Very professional, helpful and friendly service. My new life insurance policy was processed efficiently and I was contacted during each step of the process.
Susan C
, WA
26 July 2018
Fantastic customer service and the explanation of the product was clear and concise. Value for money.
Adrian T
, NSW
26 July 2018
They are good service, picked up my calling quickly and patient, and cheaper than other company.
Jasmine M
, NSW
19 July 2018

How to Apply

  • Get a Quote

    One of our friendly insurance specialists will help you complete your Trauma Insurance quote over the phone or online.

  • Apply

    If you’re happy with the quote, you can apply immediately for Trauma cover either over the phone or book a time for a call back.

  • Get covered

    We”ll assess your application. If you require medical tests we’ll pay for them and keep you updated on your progress.

Trauma Insurance Simplified

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Frequently Asked Questions

What is Trauma Insurance?

Trauma Insurance, also referred to as Critical Illness Cover, is one of several Life Insurance products available at NobleOak. It provides a one-off payment if you are diagnosed with one of the 38 serious medical conditions listed under NobleOak’s Trauma Cover (the listed medical conditions and their definitions are contained in the Product Disclosure Statement (PDS)). This payment can help to ease financial pressures and allow you to take time away from work and focus on your recovery.

What conditions does Trauma Insurance cover?

Four of the main listed conditions accounting for up to 90% of Trauma claims are Cancer, Heart Attack, Coronary Artery Bypass Surgery and Stroke. NobleOak Trauma Insurance also provides cover for another 34 medical conditions such as Major Brain Injury, Multiple Sclerosis, Parkinson’s Disease, Blindness, Paraplegia and Dementia.

Our PDS contains details of the listed medical conditions (known as Trauma Events) and their definitions. A medical condition suffered must meet the medical definition in the relevant PDS for cover to be provided. Our PDS also contains policy conditions, waiting periods and applicable exclusions.

Is Trauma Insurance tax deductable?

Trauma Insurance payments are not considered to be income replacement and the premiums payable are generally not tax-deductible according to the Australian Taxation Office (ATO). However, payments received through your policy will generally be tax-free. Trauma Benefit payments are also generally exempt from capital gains tax if paid to the policy holder or a specified relative.

Am I eligible to receive Trauma Insurance in Australia?

At NobleOak you can apply for cover providing you are an Australian resident and aged between 18 and 59. Our cover is priced using stepped premiums which means your premiums will increase annually in accordance with your age. Eligibility for cover is also subject to an underwriting process.

Can I apply for Life and Trauma Insurance together?

NobleOak’s comprehensive cover gives you the option to add Trauma to an existing Life Insurance policy. In doing so, any approved claim for Trauma will lower the Life Insurance cover by the sum of the Trauma payment. If you apply for and obtain stand-alone Trauma Insurance, any claim paid will not affect the sum insured under your Life Insurance policy.

Visit our FAQ page to find out more information on NobleOak’s Trauma Insurance product. The insurance is subject to the terms and conditions in the PDS which contains the relevant information including any exclusions.

Terms & Conditions

View T&Cs

^First month free

The first month free offer is available if you apply for cover before 28 June 2019. If you apply for cover before 28 June 2019, you will not start paying premiums until one month after the commencement date of the cover. This offer is available once only per new customer and may not be used in conjunction with any other offer.

Product PDS

Download PDS

Life Insurance Calculator

Get Started

^First month free

The first month free offer is available if you apply for cover before 28 June 2019. If you apply for cover before 28 June 2019, you will not start paying premiums until one month after the commencement date of the cover. This offer is available once only per new customer and may not be used in conjunction with any other offer.