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Trauma Insurance Claims
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Suffered a Trauma condition and not sure if you are covered?
Extra stress over financial affairs could inhibit your recovery. If you have suffered a Trauma condition and not sure if your policy covers you, we can help you understand your policy and advise if you have a potential claim.
Medical bills from a long-lasting illness can cause severe financial hardship, particularly if you have heavy debts and limited savings. Our specialists can help expedite your claim, reducing the wait time for your pay out.
Trauma Insurance was introduced into Australia in 1986, it had been recognised that people who had been diagnosed with a Trauma condition (critical illness) were experiencing financial hardship.
The most common claims under Trauma insurance policies are for cancer, heart attack, coronary bypass and stroke. Most people are also unaware there is a full list of illnesses that are also covered.
If you have any of the following listed below, we can process your Trauma Insurance claim for you. We work on a fee for service payment.
Illnesses Eligible For Trauma Insurance Claims
Trauma Insurance Claims are a tax free benefit, of which can be spent any way you choose, if you are diagnosed with an eligible medical condition. There are no set rules you need to adhered to with how you spend your Insurance benefit. Do you have any of the following?
Benefits paid can be used for
Non-Super Trauma Claims – 3,878 claims paid between July 2016 and June 2025 at an average of $269,000 per person.
Source - APRA Life Insurance Claims Data issued October 2025
Processing Your Claim
Our dedicated team at Insurance Claims Solutions will help you to navigate the complexity of your Product Disclosure Statement, preparing and submitting your claim forms, liaising with your doctors and medical professionals and the insurance provider to ensure you receive your Trauma Insurance Claim as quickly as possible.
We know our way around the claims process and policies and will fight to get you and your family the best possible outcome.
In times like these, our strongest advice is leave it to the professionals who are accustomed to dealing with all the necessary professionals involved i.e. doctors, insurance companies, rehabilitation etc.
Please note: with most Australian policies, there is a 3-month waiting period after the policy commencement for certain types of medical illnesses like cancer for example. Therefore, prior to placing a claim you need to ensure you have passed this waiting period.
You Don’t Have To Die
Unlike life insurance, a Trauma claim benefit amount is paid upon a confirmed diagnosis – not when you die of the condition. The latest statistics from the Cancer Council Australia show that 64% of cancer patients survive for at least 10 years after being diagnosed. Trauma cover provides you and your family with a lump sum amount upon diagnosis; to use at the onset of a disease when funds are required the most.