Need to review your life insurance?
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Life Insurance Explained
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Life Cover pays out if you die or are diagnosed as terminally ill. You can chose a one-time lump sum payout (life cover), a monthly payout over time (life-income cover), or a combination of both. It is helpful to reduce debt (such as a mortgage), pay for final expenses, create on-going income for the surviving family, etc.
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Trauma Insurance Explained
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Trauma insurance pays out a lump-sum payment if the insured is diagnosed with a serious disease that is covered by the policy, such as cancer. Unlike income protection (which pays out a monthly figure if you cannot work), trauma cover pays a lump-sum payment. Conditions covered by trauma cover are by nature serious and potentially life threatening which often leads to significant financial impact on a family - especially if your ability to work is compromised. The payment can help to reduce debt, provide medical care, provide for lost household income, etc.
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Income Protection Explained
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Income protection covers a max of 75% of your gross income if you cannot work for longer than the chosen waiting period due to an illness or disability.
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Medical Insurance Explained
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Medical Cover should be thought of as a HOSPITAL plan that covers treatment that occurs in hospital. Depending on the insurer you chose, medical cover can also help you gain access to more treatment options than what is available through the public health system.
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