Be Prepared for the Unexpected with Trauma Cover
Life can be unpredictable, and it's crucial to be prepared for the unexpected. While 98% of homeowners and 95% of car owners are insured, 4 out of 5 New Zealanders don’t insure themselves. Why wouldn’t you protect the most important asset that supports everything else – you and your health?

Serious illnesses are not age discriminatory, AIA Living statistics showed Trauma Insurance was the second most paid out claim by people between the ages of 30-59. Highlighting the importance of putting Trauma coverage in place early.
At Rapson, it is important to us that our clients are informed and able to make decisions on how best to protect themselves and their families when they get seriously ill. Trauma Cover is worth its weight in gold as it helps do the heavy financial lifting; it provides you and your family financial peace of mind when your health is critical.
What is Trauma Cover?
Trauma Cover, also known as Critical Illness Insurance, is designed to provide you with a lump sum, non-taxable payment if you are diagnosed with a specified serious illness or suffer a significant injury. This payout is made regardless of your ability to return to work and can be used at your discretion to cover any expenses or financial obligations. Common illnesses and conditions include:
- Cancer
- Heart attack
- Stroke
- Loss of limb
- Dementia
- Multiple sclerosis
- Severe burns
- Paralysis
Is Trauma Cover Right For You?
To determine if Trauma Cover is right for you, consider the following questions:
- Do you have dependents who rely on your income?
If so, Trauma Cover can provide crucial support in maintaining their standard of living if you’re unable to work.
- Can you afford to cover medical and living expenses out of pocket in the event of a serious illness or injury?
If not, Trauma Cover can offer a financial buffer.
- Are you single and the sole income provider for your household?
Trauma cover provides financial security to cover your expenses while you focus on your health.
- Do you already have health and disability insurance?
While health insurance covers medical expenses, it doesn’t typically provide a lump sum payout. Trauma Cover complements other types of insurance by offering immediate financial support.
Let’s face it, the unexpected happens. That’s when we wish we had insurance to keep us as protected as possible. Trauma Cover is a safety net that can provide peace of mind during some of life’s most challenging moments. At Rapson, we use easy-to-understand language. We take industry jargon and lay it out for you to help you make an informed decision which best meets your needs.
Reach out to our team today to chat about how this could work for you.