Smart Critical Illness Insurance aka Trauma Insurance Cover

Critical Illness Insurance also known as Trauma Insurance, or Trauma cover provides you with a lump sum payment if you suffer from any of the defined critical medical conditions including but not limited to, heart attack, stroke or cancer. Critical insurance claims are paid out on a diagnosis, meaning you can receive your benefit while still actively working. 

Aspect’s trauma insurance can be bought separately, but is usually bought in conjunction with Accidental Death, Income Protection and/or Total & Permanent Disablement cover. The sum insured could range from $50,000 to $500,000 – it would often be a lower amount if purchased in conjunction with the other products and a higher amount if purchased standalone. At Aspect, we offer you the ability to purchase a solo or a combined Accident & Health cover.

At Aspect Underwriting, we offer you the ability to generate an instant trauma insurance quote online, using our intelligent and intuitive cover builder. This product is built on the foundation of over 40 collective years of experience in the Accident & Health insurance sector, both nationally and internationally. Backed by Lloyd’s – the world’s specialist insurance market – this product offers you a smart and efficient way to insure you and your family against critical illnesses.

Get Critical Illness Insurance cover in three easy steps: Fill in and customise your cover details, get an instant trauma insurance quote, and purchase the cover online. No meetings, no calls and no medical tests required. Start now.

What Is Trauma Insurance & Why Should You Have One?

What is it?

A bad injury or the diagnosis of a critical illness can put you and your family under both financial and emotional stress. Injuries and illnesses are not usually expected and can come as quite a shock. Aspect Critical Illness or Trauma Insurance can help in times like this by providing you with a lump sum payment, which can help with paying for things like your immediate medical expenses and other bills.

The amount of coverage that you may need depends on your family’s financial situation. Unlike Income Protection Insurance, which provides you with a certain portion of your income for the time you cannot return to work, critical illness provides you with your benefit including but not limited to:

    • Pay off immediate medical bills and rehab expenses
    • Replace income and take care of your ongoing costs
    • Protect you against future debts
    • Take a holiday and time away from work

Please note: Aspect Trauma Insurance is not available if your policy is purchased by your Superannuation Fund. Contact us if you need to discuss this further or go through our product disclosure statement here.

What are the Benefits?

As a leader in the Australian Accident & Health insurance sector, Aspect’s trauma cover comes with a lot of features that help us stand out from the crowd. Here are some of the benefits of purchasing Trauma Cover with Aspect:

  • Payment on the diagnosis of illness, without having to prove you can’t work, like TPD
  • You can spend the amount at will, you are not bound to spend it on specific items
  • Guaranteed renewable policy provided premiums are paid as due till the insured’s 65th
  • Ability to bundle it with Income Protection, TPD & Accidental Death cover to get a comprehensive insurance package for your family.

Read our Product Disclosure Statement here for the full benefits and exclusions applicable to the policy.

What is Covered?

The most common Trauma Insurance claims are made for cancer, heart attack, coronary bypass and stroke. However, Aspect Trauma Cover provides extensive medical cover by including 11 critical illnesses, that if diagnosed have potential significant financial implications over and above the medical costs.  

  • Angioplasty
  • Aorta Surgery
  • Benign Brain Tumour
  • Cancer
  • Coronary Artery By-Pass Surgery
  • Heart Surgery
  • Heart Valve Replacement or Repair
  • Kidney Failure
  • Major Organ Transplant
  • Multiple Sclerosis
  • Stroke

What’s Excluded?

While we strive hard to offer comprehensive Aspect Trauma Cover to our clients, we also have certain standard terms & conditions that are not covered by this policy. Benefits will not be payable if a claim results directly or indirectly from any injury or illness arising from:

  • Taking part in boxing, caving, horseracing, martial arts, mountaineering, pot-holing, underwater diving, yacht racing or in a race, trial, practice or timed motor sport.
  • Unreasonable failure to follow medical advice.
  • Infection with Human immunodeficiency Virus (HIV) or conditions due to Acquiried Immune Deficiency Syndrome (AIDS).
  • The insured person is suffering from any Nervous or Mental And/or Psychiatric Disorders.

Waiting Period

A standard waiting period applies to the Aspect Trauma Cover also. As part of this, a three-month waiting period applies to the following medical events, starting from the date all

cover commenced under this policy and the date you elected to include this benefit under your policy:

  • Cancer;
  • Stroke;
  • Heart attack;
  • Coronary Artery By-Pass Surgery;
  • Angioplasty

However, this might be waived if you were transferred from another insurer after completing the 3-month waiting period, and the waiver will apply up to the level of trauma cover that you had with the other insurer. Read all the applicable provisions and special provisions for this cover here.

Claims Process

As one of the leading Accident & Health insurers in Australia, Aspect provides seamless claims processing and assistance services. Our claims process is hassle free and friendly. In the event the insured is diagnosed with any of the serious illnesses defined in the policy, the following claims process should be followed to make a claim for the benefit:

  • Check your policy schedule and ensure that the illness is covered by the policy.
  • Check the cover and exclusions to ensure that you are entitled to claim.
  • Notify us as soon as the injury or illness occurs or maybe reasonably possible.
  • Ensure that you get medical attention as soon as possible.
  • Download the Aspect claims form – available here
  • Fill out the claim form and submit it to Aspect.
  • Ensure that where required the claims form is filled out by relevant parties, including certified medical practitioners who attended to you.
  • Mail the claims form and all relevant documents to:

Aspect Underwriting Claims Centre
PO Box 14
Brisbane, QLD 4556
Telephone: +61 7 3005 1981
Email:  ahclaims@gbtpa.com.au

Upon receiving the claim, the Aspect Claims team will start processing it and keep you updated with the outcome. Visit our claims processing section on this website for further details.

  • What is it?

    A bad injury or the diagnosis of a critical illness can put you and your family under both financial and emotional stress. Injuries and illnesses are not usually expected and can come as quite a shock. Aspect Critical Illness or Trauma Insurance can help in times like this by providing you with a lump sum payment, which can help with paying for things like your immediate medical expenses and other bills.

    The amount of coverage that you may need depends on your family’s financial situation. Unlike Income Protection Insurance, which provides you with a certain portion of your income for the time you cannot return to work, critical illness provides you with your benefit including but not limited to:

      • Pay off immediate medical bills and rehab expenses
      • Replace income and take care of your ongoing costs
      • Protect you against future debts
      • Take a holiday and time away from work

    Please note: Aspect Trauma Insurance is not available if your policy is purchased by your Superannuation Fund. Contact us if you need to discuss this further or go through our product disclosure statement here.

    What are the Benefits?

    As a leader in the Australian Accident & Health insurance sector, Aspect’s trauma cover comes with a lot of features that help us stand out from the crowd. Here are some of the benefits of purchasing Trauma Cover with Aspect:

    • Payment on the diagnosis of illness, without having to prove you can’t work, like TPD
    • You can spend the amount at will, you are not bound to spend it on specific items
    • Guaranteed renewable policy provided premiums are paid as due till the insured’s 65th
    • Ability to bundle it with Income Protection, TPD & Accidental Death cover to get a comprehensive insurance package for your family.

    Read our Product Disclosure Statement here for the full benefits and exclusions applicable to the policy.

    What is Covered?

    The most common Trauma Insurance claims are made for cancer, heart attack, coronary bypass and stroke. However, Aspect Trauma Cover provides extensive medical cover by including 11 critical illnesses, that if diagnosed have potential significant financial implications over and above the medical costs.  

    • Angioplasty
    • Aorta Surgery
    • Benign Brain Tumour
    • Cancer
    • Coronary Artery By-Pass Surgery
    • Heart Surgery
    • Heart Valve Replacement or Repair
    • Kidney Failure
    • Major Organ Transplant
    • Multiple Sclerosis
    • Stroke

    What’s Excluded?

    While we strive hard to offer comprehensive Aspect Trauma Cover to our clients, we also have certain standard terms & conditions that are not covered by this policy. Benefits will not be payable if a claim results directly or indirectly from any injury or illness arising from:

    • Taking part in boxing, caving, horseracing, martial arts, mountaineering, pot-holing, underwater diving, yacht racing or in a race, trial, practice or timed motor sport.
    • Unreasonable failure to follow medical advice.
    • Infection with Human immunodeficiency Virus (HIV) or conditions due to Acquiried Immune Deficiency Syndrome (AIDS).
    • The insured person is suffering from any Nervous or Mental And/or Psychiatric Disorders.

    Waiting Period

    A standard waiting period applies to the Aspect Trauma Cover also. As part of this, a three-month waiting period applies to the following medical events, starting from the date all

    cover commenced under this policy and the date you elected to include this benefit under your policy:

    • Cancer;
    • Stroke;
    • Heart attack;
    • Coronary Artery By-Pass Surgery;
    • Angioplasty

    However, this might be waived if you were transferred from another insurer after completing the 3-month waiting period, and the waiver will apply up to the level of trauma cover that you had with the other insurer. Read all the applicable provisions and special provisions for this cover here.

    Claims Process

    As one of the leading Accident & Health insurers in Australia, Aspect provides seamless claims processing and assistance services. Our claims process is hassle free and friendly. In the event the insured is diagnosed with any of the serious illnesses defined in the policy, the following claims process should be followed to make a claim for the benefit:

    • Check your policy schedule and ensure that the illness is covered by the policy.
    • Check the cover and exclusions to ensure that you are entitled to claim.
    • Notify us as soon as the injury or illness occurs or maybe reasonably possible.
    • Ensure that you get medical attention as soon as possible.
    • Download the Aspect claims form – available here
    • Fill out the claim form and submit it to Aspect.
    • Ensure that where required the claims form is filled out by relevant parties, including certified medical practitioners who attended to you.
    • Mail the claims form and all relevant documents to:

    Aspect Underwriting Claims Centre
    PO Box 14
    Brisbane, QLD 4556
    Telephone: +61 7 3005 1981
    Email:  ahclaims@gbtpa.com.au

    Upon receiving the claim, the Aspect Claims team will start processing it and keep you updated with the outcome. Visit our claims processing section on this website for further details.