Trauma Insurance

Give yourself the best chance
of a successful recovery.

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Key features

  • Fully underwritten cover means ‘no surprises’ at claim time

  • Financial support when diagnosed with a critical illness

  • Covers 38 medical conditions including cancer, heart attack, stroke and coronary bypass surgery

  • Winner 2016 Strategic Insight Award for Trauma Rider Option

  • Available as a stand-alone cover

  • Funeral support of $5,000 for stand-alone cover

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Award winning coverage with a smaller premium

Trauma Insurance (also called ‘Critical Illness’ or ‘Recovery’ Insurance) can help protect you financially against a wide range of serious medical conditions.

With up to $2 million of cover available, NobleOak’s Trauma Insurance can help you get the comprehensive protection you need from your cover, without paying more than you need to.

 

 

Trauma Insurance features

We’ve designed our Trauma Insurance features to provide you with cover that’s tailored to your needs.

Award-winning cover

NobleOak has won the 2016 Strategic Insight Direct Life Insurance Award for Trauma Rider Option. Strategic Insight (Actuaries and Researchers) is the leading independent supplier of Australian managed funds and Life insurance market information, relied upon for over 20 years by fund managers, life offices, analysts, dealer groups and government bodies.

      

High cover levels

You can apply for up to $2 million of cover without having to go through a financial adviser. That’s much higher than most direct insurers.

Low premiums

We don’t pay fees or upfront commissions to advisers. That means lower premiums for you.

Fully underwritten ‘no surprises’ cover

We take the time to get to know you upfront, so we can tailor your cover and premium. Giving you more certainty at claim time.

Covers 38 medical conditions

NobleOak’s Trauma Insurance includes cover for 38 critical medical conditions, including the ‘Big 4’ – cancer, heart attack, stroke and coronary bypass surgery – which account for over 90% of all the trauma claims paid.

 

View More Features

Apply over the phone

No one likes filling in long forms. That’s why we provide an easy application process over the phone, taking on average 20 mins.

Dedicated claims support

If you or your family make a claim with NobleOak, you’ll be dealing with a friendly, Australia-based claims consultant from start to finish. We’re here to make the process easy for you.

Funeral benefit (stand – alone cover only)

We will pay a benefit of $5,000 if the life insured dies to help cover funeral expenses.

Backed by a global reinsurer

Our Life Insurance products are backed by a leading global re-insurer, Hannover Life Re. In 2016, Hannover Life Re paid out globally over $7.7 billion^ for Life and Health Insurance claims (and related expenses).

 

 

Who can apply

Australian residents between the ages of 18 and 59 can apply for NobleOak Trauma Cover.

 

Get covered in 3 simple steps

Step 1. Get a quote

One of NobleOak’s friendly insurance specialists will give you an obligation free Life Insurance quote over the phone.

Step 2. Apply

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

Step 3. Get covered

We’ll assess your application. If you need medical tests we’ll pay for them and update you during the process.

 

Frequently Asked Questions

Find out more about our award winning Trauma Insurance, from initial quote through to claims, we’re with you all the way.

 

What is Trauma Insurance?

Trauma Insurance pays a lump sum amount if the insured person is diagnosed with one of the 38 specified medical conditions. That money is typically used to reduce debts, pay out-of-pocket medical expenses and allow a spouse or partner to take time off work.

How does Trauma Insurance cover work?

You can apply for Trauma Insurance as a stand-alone policy or as an optional extra with Life Cover. Once you’re accepted for Trauma Insurance, we guarantee to renew your policy every year up to age 70, as long as your premiums are paid.

How is my premium calculated?

Your premium is calculated based on your age and gender, occupation, level of cover, and your answers to the health and lifestyle questions we ask when you apply. It’s tailored to you, so you don’t have to worry about paying more to compensate for other people’s risks.

What details do I need to provide to assist with the application process?

If you have copies of any of your recent medical records or, blood test results and details of any prescription medicines you are taking, this will speed up the application and assessment process. Many clients are able to answer all of the questions in our application without additional requirements.

Are there any pre-existing condition exclusions in my cover that could come out at claim time?

No, all NobleOak applications are fully underwritten at the time you take the cover out.

As long as you fully and correctly disclose your medical history and other details in the application, your claim will be assessed based on this information and processed efficiently. Apart from the industry standard 13 month intentional self-inflicted injury or intended suicide exclusion, there are no other pre-built in exclusions with NobleOak Trauma Insurance cover.

If any Special Acceptance Terms are imposed on your cover, we tell you about these at the time of your initial assessment (underwriting stage) and formally agree these with you prior to issuing your cover.

We firmly believe this is the best way to provide Trauma Insurance as it provides more certainty and clarity for you and your family.

VIEW ALL TRAUMA INSURANCE FAQS

 

Let’s get started

Request a quote or book a time to speak with one of our friendly insurance specialists and start saving with NobleOak today.

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Disclaimers