ClearView LifeSolutions Trauma

Your LifeSolutions Trauma cover will offer you full protection against the financial impact of critical illness up until age 70, with limited 'loss of independent existence' cover for a further 10 years.

Trauma insurance pays a lump sum if you are diagnosed with one of the conditions covered in your policy, which you can use in any way you need to help you recover or achieve financial security. There are two policy levels, 'standard' and 'plus', with an extensive range of 55 specific conditions being covered under LifeSolutions Trauma Plus. You may qualify for up to 20% discount on your premiums if you choose to exclude certain heart or cancer conditions from your Trauma insurance.

Depending on your level of cover you may be able to claim a partial payment of up to 25% in some circumstances, for example if you lose a limb or suffer from partial blindness.

You can link your LifeSolutions Trauma Cover to your ClearView term life insurance in an efficient, cost-effective package. If your policies are linked then any claim you make under your trauma insurance will reduce the remaining death benefits under your Life Cover. However, a built-in feature of ClearView's Trauma insurance is the option to buy back this Life Cover after you make a claim. For standalone Trauma Cover a similar option gives you the opportunity to reinstate your Trauma insurance after making a claim.

ClearView pays particular attention to the needs of medical and dental professionals, and includes an integral 'blood borne diseases benefit' in its LifeSolutions Trauma Cover. This provides you with specific financial protection against occupationally-acquired HIV or hepatitis, recognising the impact it could have on your career if you contracted one of these diseases.

For full details of the ClearView LifeSolutions range of life insurance products you can download the Product Disclosure Statement here.