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Critical Illness and Trauma Insurance

Make sure a serious illness or injury doesn’t destroy your financial stability

Trauma Insurance or Critical Illness insurance pays you a lump sum in case you become seriously ill or injured by a critical illness or injury that’s covered by the insurance policy. To be eligible to make a claim, you need to survive the illness or injury for a period of at least 14 days from the date of diagnosis or the injury occurring.

Most insurance companies specify or cover 40-60 illnesses or injuries within Trauma Insurance. Some of the most common illnesses or injuries that are covered are:

  • Heart attack
  • Stroke
  • Cancer
  • Organ transplant
  • Loss of limbs
  • Loss of hearing, speech, or eyesight
  • Major diabetes requiring insulin
  • Arthritis

Why take Trauma Insurance?

In case you become critically ill or injured, trauma insurance is able to help you:

  • Eliminate or Reduce your debt
  • Offset lower levels of income for an income-earner when returning to work following a critical illness
  • Pay off medical bills in case you did not have medical insurance (please note: trauma Insurance is not a substitute for private medical or health insurance)
  • Creating cash for an emergency fund or cash reserve
  • Boosting retirement savings.

How much Trauma Insurance do I need?

When deciding on how much Trauma Insurance you can take, you need to strike the right balance between the financial situation you want your family to be in when you are recovering and the affordability of the premium.

We generally recommend you should have a trauma cover equivalent to at least 1-2 years of your salary.

Check what our clients say about us:

Highly recommend GFS to everyone for mortgage and insurance needs. The staff is friendly, upfront and reliable. GFS provides regular market updates that are very valuable and easy to understand...
Srikanth Anne
Srikanth Anne
04:06 01 May 18
5 star service every time. Thanks to Ravi and team for sorting out my loan. Highly recommended AA+
Info AP General Autos
Info AP General Autos
20:48 03 Apr 18
Thank you to Ajayji & team at Global Financial Services for taking care of every need of my whole family. From mortgage, to refinancing, to purchasing, for insurance, advice and updates, etc. They are like a combo deal package- all in one. Their staff are well trained and very respectful. Every time, without a miss I get acknowledged by name and with a I smile. The service is beyond expectation. Cannot say enough about Global Finance.Save me more on interests, so that I can be mortgage free sooner.Thanks to Ajayji & Team.
Bharat Fashions Ltd
Bharat Fashions Ltd
03:04 11 Dec 17
Global Financial Services is one of the leading mortgage broker agency in New Zealand. I and my wife been there to re-fix our mortgage. We are 100% satisfied with their services specially customer service. Cheers
Jimmi Morkel
Jimmi Morkel
10:22 02 Oct 17
I have been with GFS for the past 16 years. They provide excellent services. Good luck for the future
Tavinder Singh
Tavinder Singh
00:13 08 Sep 17
Very good and friendly mortgage broker. Highly satisfied with their services
Avtar Singh Cheema
Avtar Singh Cheema
04:00 31 Oct 17
Been in touch with Ravi regarding Business Loans. They made all paper work very simple. I would like to rate them 5 out of 5. Global Financial Services is one of the leading mortgage broker agency in New Zealand. Keep you guys excellent work. Regards
Ben William
Ben William
02:10 09 Nov 18
I have a mortgage from 2010 and I always had it directly with the Bank. I always used to wonder. Why anyone would want to go to a Mortgage Broker? Now I clearly understand Why. After meeting Bharat Oberoi at Global Finance, it was very clear that Global Finance works for your benefit and will structure your loan based on your circumstances. Bharat was very patient, knowledgeable and sincerely worked out the loan structure based on my benefit. I strongly recommend you to meet Bharat @ Global Fiance and he will take care of you. Thanks,Vikas
Vik John C
Vik John C
02:20 28 Nov 18
I took advise for group life insurance policy. I love to say that Global Financial Services is one of leading insurance broker agency in New Zealand. According to my online research, I found that they are awarded top mortgage broker in Auckland, New Zealand.
Anowar Hossain
Anowar Hossain
23:06 19 Dec 18
Poor service, still waiting for a call back or reply through email. Its been more than 2 months and all I want to know whether you can get my loan approved or not.
Vijay Shrivastava
Vijay Shrivastava
04:15 06 Dec 18
Poor service, after looking at my documents I was told that its an easy case for us and can be done. However, I have not got any reply since then, time wasters. All I m waiting from them is to say that its not their cup of tea and we were wrong.
Abigail
Abigail
01:49 17 Dec 18