Check the definitions section of your insurance policy to see if your illness is covered.Trauma insurance coverage generally excludes self-inflicted injuries, mental health difficulties, and extreme sports injuries.
Taxcellent Consulting Services trauma insurance lawyers are experts and will take care of every last detail so you can focus on your recovery.
Our team has over 100 years of experience in Australia and we offer ‘no win, no fee’* arrangements for trauma insurance cases. This means that you don’t pay if we don’t win. We have trauma insurance lawyers across Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia.
Contact us today to receive a free trauma insurance claim check and find out how we can help.
Frequently Asked Questions
You will need to check the definition section in your policy to find out which medical conditions are covered. Get in touch with Taxcellent Consulting Services if you’re unsure how to interpret any of the fine print in your policy. We can help you understand exactly what you’re covered for.
Yes, usually self-inflicted injuries, mental health issues and extreme sport injuries are excluded in trauma insurance policies.
Often trauma insurance policies are packaged as part of your life insurance policy or superannuation, so you might have more than one trauma policy if you have multiple super policies. It is possible to claim against more than one trauma insurance policy. If you’re unsure of whether or not you can claim on multiple policies, get in touch. Our expert trauma insurance lawyers can help clarify this for you.
Under some policies you have to tell your insurer about pre-existing health problems. If you don’t, the insurer might try to avoid paying your benefit. But, with our help it’s likely that your insurer will pay out your full benefit.
Claiming as soon as possible is best, but you may be able to claim even after a long time following an injury or illness.
Many Australian trauma insurance policies include cancer but exclude non-melanoma skin cancer. However, skin cancers that have metastasised to other organs or, malignant melanoma tumours that are 1.5mm thick or more and a minimum of a Clark Level 3 will usually be covered. To be sure, always read your policy.
The main difference between trauma insurance and TPD insurance is that trauma insurance will pay you a lump sum for specific illnesses while you are trying to get back to work, while TPD insurance will usually only pay out your benefit if you can never go back to the job you are trained for.
Time limits for trauma insurance vary from state to state however, in general you usually have six years to claim from when your injury or illness occurred.
If your trauma insurance policy is held under your super fund you may even have 12 years to claim. To be sure, it’s best to consult your local Taxcellent Consulting Services trauma insurance experts to find out what time limit applies to your unique situation.
