Have you thought about safeguarding your financial health against the impact of a serious illness, while also having faster access to the care you need to get back on track?
Health insurance and trauma insurance are two key tools that can work together to protect you in different ways. Think of them as your guardians and allies during challenging times. Here’s how.
Health insurance: Faster access to quality care
Health insurance can help reduce the waiting time for treatment and diagnosis. Instead of navigating potential delays in the public healthcare system, health cover provides faster access to quality care, which can help you to recover sooner.
Primarily, health insurance supports those larger costs like surgeries, specialist consultations, and diagnostic tests. Depending on your policy, it might also help with everyday medical expenses like GP visits.
Another key benefit? Some policies provide access to non-Pharmac funded medications (approved by MedSafe but not yet Government-funded), expanding your treatment options when you need them most.
Trauma insurance: Financial support when you need it
Trauma insurance, sometimes called critical illness cover, provides a lump sum upon diagnosis of a listed serious condition (typically including cancer, strokes, and heart attacks). This financial cushion can be used however you need – whether that’s to pay off a mortgage, cover certain treatments that might not be included in your health insurance policy, or replace lost income while you focus on recovery.
Unlike health insurance, which reimburses or pays for medical costs, trauma insurance gives you the flexibility to manage financial pressures during a difficult time, letting you prioritise what matters most to you.
Support for your quality of life
Together, health and trauma insurance can help safeguard your quality of life by:
Encouraging proactive healthcare: With insurance in place, you’re more likely to seek early diagnosis or treatment, knowing it won’t lead to significant delays or financial strain.
Providing faster care: Health insurance can provide faster access to diagnosis, treatment, and expanded healthcare options.
Easing stress during recovery: Having financial and medical support can give you the peace of mind needed to rest, recover, and focus on spending time with loved ones.
Finding the right fit for you
Your needs and circumstances are unique, and so are your insurance options. Whether you’re considering health insurance, trauma insurance, or both, we’re here to guide you every step of the way.
Reach out today to discuss your goals and we can help find a tailored solutions that works for you. Let’s protect your health – financial and physical – together.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.
