Cancer, heart disease, strokes and road accidents: these are the four main causes of death in New Zealand. Every day, 63 people are diagnosed with cancer and 24 suffer from a stroke. Every 90 minutes, a Kiwi dies from heart disease. In 2016 alone, there were 328 deaths on our roads.
It makes for grim reading, but for every life lost, there are countless more who survive. Every year that passes, cancer is becoming more treatable, heart disease is becoming more manageable, and strokes are becoming more preventable. Sadly our road toll continues to rise.
While it’s good news that more people are living through these injuries and illnesses, they often still suffer from impairments that may put significant financial strain on them and their families.
That begs the question: if someone lives through a traumatic event (the above just being the most common examples), what comes afterwards? How do they navigate their new challenges? With survivability becoming more common and, in fact, more likely than any kind of sudden passing, trauma insurance is becoming more important than ever.
That all said, many people still aren’t convinced whether it pays to have Trauma Insurance.
We’re dedicated to fighting for our clients at claim time and we make sure our claimants get every dollar possible out of their policy, ensuring they can take the time they need to recover without the burden of any financial worries.
So to answer the question “Does it pay to have trauma insurance?”
Absolutely, without a doubt.
Just look at our trauma insurance claim payout statistics.
| Gender | Age At Claim | Occupation | Claim Outcome | Health Issue | Claim Amount |
| M | 36 | Corporate Executive | Accepted | Malignant Brain Tumor | $1,426,300 |
| M | 51 | Company Director | Accepted | Melanoma | $1,088,000 |
| F | 45 | Accountant | Accepted | Melanoma | $1,000,000 |
| M | 44 | Company Director | Accepted | Colon Cancer | $1,000,000 |
| F | 49 | Company Director | Accepted | Breast Cancer | $773,000 |
| F | 57 | Company Director | Accepted | Melanoma Clark level IV | $550,000 |
| F | 35 | Homemaker | Accepted | Breast Cancer | $517,895 |
| F | 45 | Advertising Executive | Accepted | Kidney Cancer | $377,937 |
| F | 51 | Homemaker | Accepted | Brain Tumour | $367,793 |
| M | 52 | Company Director | Accepted | Heart Condition | $300,499 |
| F | 50 | Company Director | Accepted | Cervical Cancer | $266,000 |
| F | 42 | Beautician | Accepted | Breast Cancer | $265,000 |
| M | 49 | Company Director | Accepted | Cancer | $264,963 |
| F | 46 | Corporate Executive | Accepted | Breast Cancer | $258,936 |
| M | 45 | Marketing Manager | Accepted | Thyroid Cancer | $250,000 |
| F | 46 | Corporate Executive | Accepted | Breast Cancer | $212,000 |
| M | 56 | Lawyer | Accepted | Prostate Cancer | $206,960 |
| F | 57 | Retired | Accepted | Lung Cancer | $187,588 |
| M | 44 | Account Executive | Accepted | Heart Attack | $167,504 |
| F | 39 | HR Manager | Accepted | Cervical Cancer | $167,000 |
| M | 58 | Company Director | Accepted | Prostate Cancer | $166,105 |
| F | 35 | Homemaker | Accepted | Stroke | $157,000 |
| M | 45 | Armed Forces | Accepted | Thyroid Cancer | $120,000 |
| M | 54 | Photographer | Accepted | Kidney Cancer | $118,732 |
| F | 63 | Retired | Accepted | Bowel Cancer | $111,559 |
| F | 49 | Homemaker | Accepted | Melanoma Clark level III | $110,000 |
| F | 49 | Legal Executive | Accepted | Breast Cancer | $100,000 |
| M | 32 | Advertising Executive | Accepted | Hodgekins Lymphoma | $87,500 |
| F | 59 | Homemaker | Accepted | Stomach Cancer | $56,510 |
| M | 60 | Actor | Accepted | Aortic Aneurysm | $53,000 |
| M | 58 | Teacher | Accepted | Melanoma | $52,660 |
| M | 59 | Journalist | Accepted | Prostate Cancer | $51,872 |
| F | 53 | Homemaker | Accepted | Breast Cancer | $51,000 |
| M | 57 | Upholsterer | Accepted | Heart Attack | $50,401 |
| F | 52 | Administrator | Accepted | Benign Brain Tumour | $50,000 |
| F | 35 | Corporate Executive | Accepted | Benign Brain Tumour | $37,500 |
| F | 42 | Florist | Accepted | Parkinson’s Disease | $12,968 |
Definitely some food for thought.
If you would like to find out more about Trauma Insurance or have questions about your existing policy then please don’t hesitate to contact us.