Zurich Trauma Insurance

Zurich Life Insurance products are all offered under their Wealth Protection Plan. Please refer to the Product Disclosure Statement for further detail.

Over view

Trauma Insurance cover pays a lump sum if you are diagnosed with a medical condition such as cancer, heart attack or stroke. It is for anyone who would face financial hardship if they were to suffer a trauma.

Built-in Benefits

The following benefits are built into both Zurich’s Trauma insurance plans – Basic and Extended:

Trauma benefit:
A lump sum payment on diagnosis /occurrence of a range of 12 (Standard) and 38 (Extended) illnesses and injuries.

Funeral benefit:
A lump sum payment on death (stand-alone Trauma only).

Partial trauma benefit:
A part payment of Extended trauma for certain conditions.

Paralysis booster benefit:
Doubles the benefit payable in the event of paralysis.

Inflation protection
Cover will increase every year unless declined by you.

Future Insurability benefit (personal)
Increase cover without underwriting at certain times.

Financial planning advice benefit
Reimburses the cost of advice.

Premium freeze
Freeze the amount you pay by reducing your cover.

Interim cover
Puts some cover in place as soon as you apply.

Benefits at additional costs
The following benefits are available at an additional cost:

Premium waiver option
Pays premiums if the life insured is disabled and cannot work.

Accidental death option
Extra cover for death due to accident.

Living activities TPD option
A lump sum payment on the life insured’s inability to perform at least two activities of daily living, cognitive impairment or specific loss.

Business future cover option
Increases cover without health evidence each year.

Needlestick cover option
A lump sum payment on occupationally acquired HIV, Hepatitis B or C.

Insured child option
Includes death, terminal illness and trauma benefits for each child you insure.

Trauma reinstatement option (Extended only)
Trauma cover can be reinstated after a Trauma claim (for unrelated conditions).

Double trauma option (Extended only)
Death cover can be reinstated after a Trauma claim.

Top-up option (Extended only)
Increases the Partial trauma benefits payable.

Zurich contact number – 131 551

Zurich Product Disclosure Statement – PDS

Zurich website – www.zurich.com.au

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