To qualify for the benefit or payment of trauma, your diagnosis needs to meet with the policy criteria. Generally trauma covers conditions like cancer, heart attack, stroke etc. But depending on the policy and insurer it may cover other conditions or illness.
The major benefit of trauma cover is that mostly it can pay claim immediately if you are suffering one of a list of clearly defined ‘events in the policy. But other insurance policy like TPD will pay benefit if the condition of an inability to work is met. Also your occupation may be categories as uninsurable and unable to get TPD or income protection.
Trauma cover gives a protection to cover your medical expenses, helps to seek out the best treatment possible, pay of personal debts and most importantly relieve the financial worry which could delay recovery.