Pays a lump sum Benefit if the Insured Person suffers and is diagnosed with any
of the listed diseases or medical conditions and satisfies the definition of that
disease or medical condition as specified in the PDS. The benefit you receive could
be used to pay medical costs, repay debt, finance a change in career, pay for essential
modifications to your home or provide an income.
There are three types of Trauma Insurance to choose from:
- Recovery Protect Online Trauma Insurance;
- Essential Trauma Insurance; or
- Comprehensive Trauma Insurance.
|
Feature |
Description |
Recovery Protect Trauma Insurance
|
Simple and affordable online trauma insurance cover up to $250,000, with no medical
checks required.
Covers 8 critical conditions (Cancer*, Coronary Artery By-Pass Grafting*, Heart
Attack*, Loss of Limbs or Sight, Paralysis, severe Accidental Injury; Significant
Cognitive Impairment & Stroke*).
Find out more
|
Essential Trauma Insurance
|
- Covers 5 Critical Conditions (Stroke*, Cancer*, Heart Attack*, Coronary Artery By-Pass
Grafting & Carcinoma In Situ*).
- Future Insurability (no extra cost)
|
|
Comprehensive Trauma Insurance |
Covers 46 Critical Conditions including cancer*, stroke*, heart attack, carcinoma
in situ*. |
|
Optional Benefits |
- Future Insurability
- Children's Benefit Plus (extra cost)
- Female Benefit Plus (extra cost).
- Trauma Reinstatement (extra cost)
|
|
Optional Benefits available with Comprehensive Trauma Insurance & Term Life Insurance
(Extra Cost) |
Female Benefit Plus
At Suncorp we recognise that women have unique needs, and so we have developed a
new benefit which offers peace of mind by providing protection for health conditions
of particular concern to women including;
- Female Specific Disorders* Covers conditions including Carcinoma In Situ, Severe
Endometriosis and Osteoporotic Fractures
- Complications of Pregnancy* Covers 7 conditions including Eclampsia and Ectopic
Pregnancy.
- Childhood Anomalies* Covers 18 conditions including Down's Syndrome, Spina Bifida
and Congenital Blindness and Deafness.
This benefit provides a lump sum payment in the event of the Insured Person suffering
and being diagnosed with any one of a range of critical conditions specific to females
as specified in the PDS.
Naturally, everyone hopes "it will never happen to me". But consider these facts:
- One in 4 Women in Australia will be directly affected by cancer and one in 11 will
develop breast cancer in their lifetime.
(Source: Australian Institute of Health & Welfare, 2001)
- Around 1 in 20 children in Australia is born with a congenital abnormality or degenerative
disease such as spina bifida, cystic fibrosis, downs syndrome or cancer. (Source:
Children's Medical Research Institute, 2003)
- Endrometriosis affects approximately 10% of women in Australia. (Source: The Royal
Women's Hospital: Pregnancy Research Centre, 2004)
Children's Benefit Plus
Although it's something most parents don't want to consider, the simple fact is
that our children may possibly become seriously ill or injured. When this happens
there is the potential that it will cause emotional and financial difficulty.
Children's Benefit Plus provides the option for you to apply for Comprehensive Trauma
Insurance on the lives of one or more of the children of an Insured Person under
the policy. The Sum Insured of up to $100,000 will be paid if the Insured Child
dies, suffers and is diagnosed with a terminal illness or suffers one of 20 listed
critical conditions such as severe burns, major organ transplant or deafness.
|
Product Disclosure Statement
Term Life Insurance includes Superannuation Term Life Insurance and Yearly Renewable Term Life Insurance. Life Insurance products (except for Superannuation Term Life Insurance) are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 ('SLSL'). Superannuation Term Life Insurance is issued by Suncorp Portfolio Services Limited ABN 61 063 427 958 AFSL 237905 ('SPSL'). Life insurance is provided by SLSL. If you purchase Suncorp Superannuation Term Life Insurance, you become a member of the Suncorp Master Trust ABN 98 350 952 022 and become entitled to benefits under life insurance policies held by SPSL, as trustee of the Suncorp Master Trust. Please read the relevant Product Disclosure Statement before you make any decisions regarding any Life Insurance products. Contact us for a copy.
*Waiting Period restrictions apply. Refer to the Recovery Protect PDS (PDF, 109k) or the Financial Protection Plan PDS for more information.
