Trauma Cover

Why Trauma Cover

Why get Trauma Cover?

If a physical trauma means you can’t work, or have to meet significant medical costs, you and those who depend on you won’t have to suffer financial trauma too. Trauma Cover pays a lump sum if you suffer a specified condition such as a stroke, heart attack, cancer diagnosis or loss of a limb, and more.

Lump-sum payment

Paid out in the event of any of the specified conditions

Protects your financial interests

Continue to support loved ones if you can no longer work

How it works

We know you're busy, so we keep it simple

Book a free consultation

Tell us a bit about yourself in our quick 10-min form. This gives us everything we need to tailor a recommendation that fits you, not the other way around.

Review your insurance solutions

We’ll send through your personalised quote. You can either book a time to review it together or go ahead with the solution that feels right. We’ll walk you through each part so you can make an informed decision.

Submit your application

When you're happy with your plan, it's time to apply with the insurer and get covered! The insurer might need extra info or medical checks – but don’t worry, we’ll guide you through it all, step by step.

Get a free quote

Trauma Cover FAQs

Ask us directly

What does trauma insurance cover?

Trauma cover pays out a lump sum of money if you suffer from a “trauma event”, such as a heart attack, cancer, stroke and more. Your policy will outline the "trauma events" or conditions covered under your insurance policy.

Why do I need trauma insurance?

After suffering from a traumatic event, it’s important to focus on recovering, knowing your financial needs are taken care of. Trauma cover helps with this. Anyone can suffer a trauma event, at any age. That’s why it’s important to have the certainty that you’ll be taken care of.

How much will trauma insurance cost me?

Generally speaking, your age and health play a major factor in the cost of your trauma insurance policy. The life insurance providers that we work with use a variety of models to work out your risk, which affects your premiums (monthly payments). Basically, the healthier and younger you are, the cheaper your policy will be, so it pays to stay healthy and get insurance when you are young before you develop any ailments. It also helps to work with a licensed insurance broker (like us!) who can advocate on your behalf to make sure you’re getting the best cover that is within your budget.

Is trauma cover worth getting?

It’s definitely worth considering trauma cover! It’s a lump sum payment that you can use to cover any costs you deem appropriate. Generally, beneficiaries of trauma cover use their funds for medication, treatment or to ease the financial burden of a temporary loss of income. Trauma events are common and can happen at any age, it pays to get it sooner rather than later as it may not be possible to get cover after you’ve suffered an event.

Can my children be covered under my trauma insurance policy?

Yes, your children (ages 2-20) can also be covered under your trauma policy. Should your children suffer one of the eligible trauma conditions, a payment for a percentage of your cover would be paid. This is an additional payment that does not reduce the amount of the parent’s cover.

Why Buffer

Why use an insurance advisor?

Unlike working with one single insurance provider, as licensed Financial Advisors, we're able to advise you on which policy is right for you across multiple insurance companies while ensuring you get the most favourable terms on your policy. We also advocate for you and your family in the event of a claim to ensure the whole process goes smoothly.

Access to exclusive insurance solutions

Available 7 days a week

We work with NZ's Top insurance providers

We advocate for you throughout the entire process, from application to claim

Get a free quote