Trauma Insurance
A serious illness or medical event can change your life in an instant. While your focus should be on getting better, the financial pressure that can come with a major health event can make an already difficult situation even harder.
Advice, made personal
Financial support when life takes an unexpected turn.
A serious illness or medical event can change your life in an instant. While your focus should be on getting better, the financial pressure that can come with a major health event can make an already difficult situation even harder.
Trauma insurance is designed to provide a lump-sum payment if you’re diagnosed with, or experience, a specified medical condition or event covered by your policy.
At Aegis, we help you understand what trauma cover can do, how much may be appropriate for your circumstances and which policy options may be suitable for you.
How Aegis can help
Choosing trauma insurance can be complicated, particularly when different insurers have different policy definitions, benefits and conditions.
We’ll take the time to understand your circumstances and what you’re looking to protect.
We’ll explain the options in straightforward language, help you compare suitable policies and highlight the key differences between them, so you understand what you’re paying for and what your cover is designed to do.
We’ll then guide you through the application and underwriting process and remain available to help as your circumstances change.
What’s Included
- Assessment of your Trauma Insurance needs
- Advice on appropriate cover amounts and policy structure
- Comparison of suitable insurance providers
- Guidance on policy features, exclusions and premiums
- Ongoing service and reviews of your cover as circumstances change
How it works
Trauma Insurance
Common Questions
We often think about the financial consequences of dying, but a serious illness can create significant financial pressure even when you survive.
You may need time away from work, your partner or family may need to take time off to support you, or you may face additional medical and lifestyle costs during your recovery.
Trauma insurance provides a lump-sum payment following a qualifying medical event, giving you greater financial flexibility when you need it most.
You could use a trauma payout to:
- Take time away from work while you recover
- Reduce or repay your mortgage
- Cover everyday household expenses
- Help with medical or treatment-related costs
- Make changes to your home or lifestyle
- Access additional support or specialist treatment
- Give yourself and your family greater financial breathing room
Trauma cover can work alongside other types of personal insurance, such as life insurance and income protection, with each providing protection for different circumstances.
There's no universal amount of trauma cover that's right for everyone.
We'll look at your individual circumstances and consider factors such as your mortgage and other debts, income, savings, family commitments and how much financial flexibility you would want if you were unable to work or needed time to recover.
For some people, trauma cover may primarily be about reducing debt. For others, it may be about having enough money available to take time away from work and focus on recovery without the added pressure of finances.
We'll help you understand the options and how different levels of cover could affect your premiums.