Insurance FIRST

Trauma Cover

Trauma Cover is designed to pay a lump sum if you suffer a critical illness such as;

cancer, heart attack or stroke

... to help you cope with the consequential financial impact on your lifestyle, family and work.

A lump-sum payment allows you to choose how you spend the claim amount – it might be:

paying off your mortgage

making alterations to your house to improve access and mobility, or

taking a family holiday.

Some insurance companies have this available for, personal or business cover or both, depending on your needs.


	The Facts are: In 2005, there were 18,610 new cancer cases and 4,184 cancer deaths in New Zealand. 1 Melanoma: the least common but the most serious form of skin cancer. Squamous cell carcinoma (SCC): easily treated if found early but can be fatal if left untreated. Basal cell carcinoma (BCC): the most common and least dangerous skin cancer. BCC can be serious if left untreated.


	The Facts are: 52% of male and 59% of female cancer patients will recover and be alive five years later. 2


	The facts are: Every day, about 22 people in New Zealand have strokes (about 8,000 people per year). 3

Sources:

1. New Zealand Health Information Service – 2005 provisional data
2. South Australian Cancer Registry, 2003,
3. New Zealand Stroke Foundation Inc, 2007

Some of the 40 + critical illnesses that can be covered by Trauma Cover

	Heart Attack
	Coma
	Major Burns
	Muscular Dystrophy

	Cancer
	Angioplasty
	HIV
	Multiple Sclerosis

	Stroke
	Liver & Lung Disease
	Parkinsons Disease
	Alzheimer's Disease

How it can help:

OVERSEAS MEDICAL TREATMENT

There may be times where you are dianosed with a condition that requires you to travel to another country and pay a high cost for medical treatment

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EARLY RETIREMENT FROM THE WORKFORCE

If a critical illness means you will not be able to work again, the lump sum can be invested to provide an income to live off

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MORTGAGE REPAYMENT

A lump sum can partially or totally clear the mortgage

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SUPPORTING A BUSINESS EVEN IF YOU CAN'T WORK

If you are a key person on your business and your absence could jeopardise the business, a lump sum could go towards the salary of a full or part time replacement.

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A PARTNER HAVING TO STAY AT HOME AND NURSE YOU

This will allow your partner to stop work and provide relief that there is money to replace the income

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