Zurich Protection Plus Trauma Cover

There are two levels of Trauma Cover available in your Protection Plus plan: 'basic' and 'extended'. Extended cover provides protection for a much broader range of conditions, as well as some partial benefits if you experience an early-stage illness, or a less severe injury like the loss of hearing in one ear.

With extended Trauma Cover you can buy an extra-cost option to reinstate or top up your insurance after making a claim. An extended policy also offers cover for longer if you buy it in combination with Death Cover. Standalone Trauma Cover policies expire at age 75, but you may be offered insurance for loss of sight, limbs or independence until age 99 under your linked TPD policy.

You can take out up to $2,000,000 Trauma Cover in your Protection Plus policy, although over time your cover may actually exceed this limit because of the built-in 'inflation protection', which automatically increases your insurance benefit in line with the consumer price index. Since this will also increase your premiums you can opt out of this feature if you wish.

Both basic and extended Protection Plus Trauma Cover policies include a 'funeral benefit', which pays $5,000 towards your funeral costs if you don't have a linked Death Cover policy. Another integrated feature is a 'paralysis booster benefit' which could double your Trauma benefit if you become paralysed. Extra-cost options include the right to add 'needlestick' or child insurance cover to your Trauma policy.

For full details of the Zurich Wealth Protection range of life insurance products you can download the Product Disclosure Statement here.