Trauma & Critical Illness Cover | Woodward Insurance Brokers

💥 Trauma Insurance: A Lump Sum When You Need It Most

Pays a lump sum if you’re diagnosed with a major illness.

Trauma cover (also called critical illness insurance) pays you a lump sum if you’re diagnosed with a serious health condition like cancer, heart attack, or stroke. It’s designed to help you financially during a time of major upheaval — when health is the priority and work may need to take a back seat.

🚨 When Life Throws a Curveball, Be Ready

What would happen if you were suddenly diagnosed with cancer, had a heart attack, or suffered a stroke?
Would your savings stretch far enough?
Would your family be okay financially?

Trauma insurance puts money in your hands when you need it most — fast, flexible, and no strings attached.

✅ Pay off the mortgage
✅ Access cutting-edge treatment
✅ Take time off work without stress
✅ Tick off your bucket list and really live

You don’t have to wait until it’s too late to protect your lifestyle.
One policy. One payout. One less thing to worry about.

Get covered now — your future self will thank you.

🛡 Why Consider Trauma Insurance?

✅ Financial backup when you’re hit with serious illness
The payout can help cover:

Medical treatments or specialist care
Time off work for recovery
Rehab, counselling, or in-home support
Travel, lifestyle changes or even ticking off that bucket list

✅ Living benefit
You don’t have to pass away for your cover to kick in — trauma insurance pays out while you’re still alive and dealing with a critical condition. You just need to survive 14 days after meeting the diagnosis criteria.

🔍 What Does It Typically Cover?

Cancer (various types and severities)
Heart attack and stroke
Major organ failure or transplant
Loss of limbs or paralysis
Serious burns and other critical conditions

Each policy has a detailed list of conditions it covers — some include as few as 7, others more than 40.

💡 Key Features to Look For

Lump Sum Payout – Use the funds however you need.
Children’s Cover – Often optional or automatically included.
Partial Payments – For early-stage or less severe conditions or stages.
Buy-Back Options – Restore your cover after a claim, in case something else happens later.
Inflation Adjustments – Keeps your cover value in line with rising costs.
Guaranteed Renewability – Keep your policy active until a certain age (often to 70).

💰 Premium Options

Stepped Premiums – Start cheaper, go up as you age.
Level Premiums – Stay steady over time, ideal for long-term affordability.

🧠 Real-Life Benefits

Peace of mind – Focus on recovery, not money worries.
Support when you need it – Funds available fast to help with big decisions.
Flexibility – Choose how and when you spend the lump sum.

💬 A Few Tips

✅ Use the payout to clear debts and reduce stress
✅ Take a break — rest and recovery matter
✅ Consider trauma cover for kids too — so you can take time off work if they get seriously ill
✅ Think beyond medical costs — lifestyle changes and family support matter too

🌱 Wrap-Up: A Smart Addition to Your Protection Plan

Trauma insurance is about supporting you through survival. It doesn’t replace medical insurance — it adds an extra layer of financial freedom when life throws a curveball. Whether it’s a serious illness or the road to recovery, it helps you take control of your time, treatment, and choices.

📩 Ready to get started?
Click here to request your Life and/or Trauma Insurance quote – and let’s make sure you’ve got the cover that fits your life.