Trauma – what′s covered?

What's Covered By Trauma Protection?Trauma insurance can provide a lump sum of money to help you meet medical expenses and clear debts when you have suffered a medical trauma. But – what does it actually cover?

While the conditions covered will vary from policy to policy, we have listed below the trauma conditions and events that trigger a full trauma payment under Onepath?s Onecare Trauma Cover comprehensive insurance policy. Onepath is one of CANSTAR?s 2014 winners for outstanding value trauma insurance. Please note that there are terms and conditions for claim associated with the trauma conditions listed and this list is intended simply as a general indication of the types of traumas that may trigger compensation.

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Indication of conditions covered

Benign brain tumour Benign tumour of the spine Cancer Alzheimer?s disease
Cognitive loss Dementia Parkinson?s disease Major head trauma
Stroke Loss of independent existence Loss or paralysis of limb Motor neurone disease
Multiple Sclerosis Muscular dystrophy Severe osteoporosis (before age 50) Severe rheumatoid arthritis
Chronic kidney failure Chronic liver disease Chronic lung disease Major organ transplant
Pneumonectomy Systemic sclerosis Aortic surgery Cardiomyopathy
Coronary artery by-pass surgery Heart attack Heart valve surgery Open heart surgery
Out of hospital cardiac arrest Primary pulmonary hypertension Triple vessel angioplasty Encephalitis
Meningitis and/or meningococcal disease Blindness deafness Aplastic anaemia
Medically acquired HIV Occupationally acquired HIV Coma Intensive care
Loss of speech Severe burns Severe diabetes Terminal illness

Source: Onepath OneCare Product Disclosure Statement. Please note that payout on some of the conditions above is subject to waiting periods and must be diagnosed and certified by an approved medical practitioner. Please see the OneCare PDF for full details.  

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