Conditions covered
Cancer, heart attack and stroke lead the list, alongside dozens of defined conditions.
A lump sum for the moment the diagnosis lands
TRAUMA
A lump sum for the moment the diagnosis lands.
Trauma cover pays a lump sum on diagnosis of one of a defined list of serious conditions. It does not ask whether you can still work — it pays because a diagnosis is expensive in ways nobody budgets for, from travel and treatment to simply taking six months off to get well.
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What’s covered
The four that carry the weight
Paid on diagnosis
The money arrives when the condition is confirmed, not when you stop working.
What people use it for
Treatment costs, a reduced workload, adapting the house, or clearing debt outright.
How it is structured
Standalone or accelerated against life cover — the choice changes both price and payout.
How it works
How cover gets arranged
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01
Diagnosis
The claim is triggered by the diagnosis itself, not by whether you have stopped working.
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02
Medical evidence
Specialist reports gathered and submitted, with us handling the back and forth.
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03
Assessment against the wording
The insurer checks the diagnosis against the defined condition in your policy.
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04
Lump sum paid
Money in your account, to spend however it helps most. There are no conditions on its use.
How a trauma claim works
- The conditions listed, and how each is defined
- Whether it is standalone or accelerated against life cover
- Any stand-down period at the start
- Whether cover for children is included
- How the policy treats a second, unrelated diagnosis
Trauma cover is not for the treatment. It is for the year afterwards, when the treatment is over and you still are not ready to go back.
Questions we get asked
Trauma, answered
Cancer, heart attack and stroke account for the majority of claims, but a typical policy defines forty or more. The definitions matter more than the count.
It sits inside your life cover and reduces it by whatever is paid out. It is cheaper, but a claim leaves less behind for the family.
Some policies allow a further claim for an unrelated condition after a stand-down period. It is a specific feature worth asking for.
Most commonly it buys time — dropping to part-time during treatment, travel to specialists, or simply clearing the mortgage so the pressure lifts.
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