You should seek legal advice when a terminal illness or other serious medical condition threatens your finances. At such a time, a successful trauma insurance claim (or critical illness claim) pays a terminal illness benefit and provides financial support for yourself and your loved ones.
Our expert trauma insurance and critical illness claim lawyers have been helping Queenslanders claim their terminal illness benefits for nearly three decades. Ask an experienced lawyer to guide you through the claims process to a successful lump sum payout.
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Critical illness insurance is another term for trauma insurance policies. A trauma policy provides a lump sum payment when you are diagnosed with a serious illness or injury. At such a time, you can make a trauma insurance claim with your terminal illness insurance company and receive a lump sum amount that helps pay your medical expenses.
Eligible medical conditions include severe head injuries, heart attacks, cancer, and strokes. However, your trauma insurance policy must mention the illness or injury. Therefore, it is crucial to analyse your policy or seek independent advice to determine whether you have cover for the disease or damage from which you believe you should be protected.
Note: In Australia, terminal illness insurance does not cover mental health conditions.
Our expert critical illnesses legal team will guide you through the legal process to a winning terminal illness claim.
Your Product Disclosure Statement (PDS) will outline the circumstances under which your Trauma policy will provide coverage. Typically, these life-threatening conditions—cancer, heart attacks, Alzheimer’s, and stroke—will already be covered. Cover is frequently supplied for significant burn injuries, major organ replacements, motor neuron disease, and other medical ailments.
Types of cancer covered by trauma policies include
Other severe medical conditions typically covered by critical illness insurance include:
When claiming for a terminal illness, we recommend you review your existing health insurance policy to see if there are any exclusion clauses or waiting period requirements for pre-existing conditions. Typically, mental illness is excluded.
Contact our critical illness lawyers now. Rely on our 99% successful claim rate to guarantee your desired outcome. Our skilled insurance claim lawyers will investigate your case for free and let you know the following:
Splatt Lawyers provides 100% No Win, No Fee for all trauma and critical illness insurance claim matters, which means:
If you or someone close to you has been diagnosed with any of the above serious medical conditions and is eligible for a trauma or terminal illness benefit claim, contact our experienced critical illness lawyers for a free, comprehensive legal review.
If you’re diagnosed with any of the conditions mentioned in your terms and conditions, your trauma insurance will pay out a lump sum. You can use funds to pay for necessary lifestyle changes and continued counselling.
If you suffer from an illness or health condition requiring extended bed rest or leaving you unable to work, you may need to take extra time off work. Additionally, major medical trauma may necessitate home renovations to meet your current condition’s needs.
Trauma insurance helps provide crucial financial support when you’re going through a difficult time. It gives you a chance to take time off from work and recover.
Your claim’s value will depend on your insurance policy terms. Your Trauma policy is there to assist you financially when the unexpected happens. Your payout would either be a lump sum or a recurring monthly payment. Our expert insurance lawyers will help you understand the terms of your policy and the payout you might expect.
Splatt Lawyers are a 100% No Win, No Fee insurance and superannuation law firm. This legal funding arrangement means you only pay our fees if we win your case. If you lose your claim, you pay nothing. When you choose Splatt Lawyers to manage your case, you pay no upfront or ongoing legal costs. Contact our Queensland solicitors for your free case review, and our team will explain how it works.
Claiming your insurance benefit can be complex and stressful. Insurance companies have teams of lawyers and staff who limit insurance payouts. To ensure you are getting the best chance of accessing all your entitlements contact our compensation lawyers now for informed legal advice. They will talk you through your next steps.
If you’re seriously ill, trauma cover provides protection. You can receive a lump sum payout if you suffer from an illness or condition covered by your critical illness policy. Your insurance can also fund any treatments and medical fees not covered by your medical insurance.
You might have depleted your savings account if you cannot work because of your severe health condition. In this situation, the funds from your insurance benefits will be welcome. Conditions frequently covered include cancer, heart events, Alzheimer’s and a list of terminal illnesses. Please read your PDS and contact Splatt Lawyers for legal support with claiming your benefit.
From July 1st, 2014, buying critical illness insurance via your Super policy became impossible. If you had a trauma insurance policy before this time, you might be able to make a claim.
You will be eligible for benefits under your trauma insurance plan if you are terminally ill or acquire any severe medical conditions listed in your policy’s terms and conditions. Your capacity to work or the degree to which it impairs your regular life has no impact on your assessment.
You can lodge a Total and Permanent Disability Insurance claim if you can’t work because you are totally and permanently incapacitated because of an injury or disease. For example, a heart attack can qualify you to claim trauma insurance entitlements, but you would not be eligible for TPD unless your heart attack stopped you from working again.
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Our friendly experienced lawyers love to help. Contact our team with your questions or start your claim online now. It costs nothing to understand your options.
