--- title: Trauma Insurance Quotes Online | JIC Insurance description: Compare trauma insurance quotes online with JIC Insurance. Review Critical Illness Cover options from leading Australian insurers and get support if needed. --- [Skip to content](https://www.jicinsurance.com.au/trauma-insurance-quotes-online#main-content) [![JIC Insurance - Side Text Logo-1](https://www.jicinsurance.com.au/hubfs/JIC%20Insurance%20-%20Side%20Text%20Logo-1.png)](https://www.jicinsurance.com.au/en-au/?hsLang=en) ![menu-toggle](https://21645388.fs1.hubspotusercontent-na1.net/hubfs/21645388/menu-toggle.svg) ![menu-close](https://21645388.fs1.hubspotusercontent-na1.net/hubfs/21645388/menu-close.svg) [COMPARE NOW](https://www.jicinsurance.com.au/quote-tool?hsLang=en) # Compare Trauma Insurance Quotes Online  Trauma Insurance, also known as Critical Illness Cover or Recovery Insurance, can help provide financial support if you suffer a specified serious illness or injury, depending on the terms of the policy. JIC Insurance’s online comparison tool helps you compare Trauma Insurance options from a range of leading Australian insurers, with support available if you need help understanding your options. [Compare Trauma Insurance Options](https://www.jicinsurance.com.au/quote-tool?hsLang=en) [Book a Call](https://www.jicinsurance.com.au/meetings/jasmine-jorgensen/jic-insurance-team?hsLang=en) ![Compare Image](https://www.jicinsurance.com.au/hubfs/Compare%20Image.jpg) ## Compare options from leading Australian insurers. ![Insurer Panel](https://www.jicinsurance.com.au/hs-fs/hubfs/Insurer%20Panel.jpg?width=2000&height=666&name=Insurer%20Panel.jpg "Insurer Panel") [Compare Options](https://www.jicinsurance.com.au/quote-tool?hsLang=en) ## What is Trauma cover? Trauma Insurance generally provides a lump sum payment if you suffer a specified serious illness or injury covered by the policy. It is sometimes called: - Critical Illness Cover - Recovery Insurance - Trauma Cover Depending on the policy, Trauma Insurance may cover serious medical events such as certain cancers, heart attack, stroke, major head injury or other listed conditions. The exact conditions covered depend on the policy wording. The benefit may help with expenses such as: - Medical costs - Treatment costs - Recovery expenses - Mortgage or rent - Household bills - Time away from work - Family expenses - Reducing debt - Adjusting lifestyle during recovery Trauma Insurance is different from Life Cover because it is designed to respond while you are still alive after suffering a covered serious illness or injury. It is also different from Income Protection Insurance, which is generally designed to provide a monthly benefit while you are unable to work due to illness or injury. Trauma Insurance is usually structured as a lump sum benefit. ## How Trauma Insurance Comparison Works ![Website - JIC Insurance - Icon - Step 1 - White](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Step%201%20-%20White.png) **Enter Your Details** Provide basic information such as age, occupation, smoking status and the amount of Trauma Cover you want to compare.  ![Website - JIC Insurance - Icon - Step 2](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Step%202.png) **Choose Cover Options** Review options such as cover amount, ownership structure, premium structure and whether Trauma Cover is linked or standalone.  ![Website - JIC Insurance - Icon - Step 3](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Step%203.png) **Compare Available Quotes** Compare available Trauma Insurance options from a range of leading Australian insurers.  ![Website - JIC Insurance - Icon - Step 4](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Step%204.png) **Get Support If Needed** If you need help understanding your options, covered conditions or next steps, JIC Insurance can assist.  [Start Comparing Trauma Insurance](https://www.jicinsurance.com.au/quote-tool?hsLang=en) ##### Insurance Premiums ## What Affects Trauma Insurance Premiums? Trauma Insurance premiums can vary between insurers because each insurer assesses risk and policy features differently. Factors that may affect the premium include: - Age - Occupation - Health history - Family medical history - Smoking status - Lifestyle - Cover amount - Covered conditions - Ownership structure - Whether cover is linked or standalone - Premium structure - Policy features and options This is why comparing options can be useful. A quote from one insurer does not always show what may be available across the broader market. ## What Should You Compare Before Choosing Trauma Cover?  #### **Cover Amount** How much financial support would you need if you suffered a serious illness or injury covered by the policy? This may include medical costs, recovery expenses, mortgage repayments, family expenses, time away from work and debt reduction. ![Website - JIC Insurance - Icon - Benefits 10](https://www.jicinsurance.com.au/hs-fs/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%2010.png?width=200&height=200&name=Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%2010.png) #### Covered Conditions The conditions covered by Trauma Insurance can vary between policies. Before applying, review what serious illnesses and injuries are covered, how they are defined, and whether any exclusions or waiting periods apply.   ![Website - JIC Insurance - Icon - Benefits 11](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%2011.png) #### **Linked or Standalone Cover** Trauma Cover may sometimes be linked with Life Cover or TPD Cover. If cover is linked, a Trauma claim may reduce the remaining Life Cover or TPD Cover benefit, depending on the policy structure. Standalone Trauma Cover may work differently. ![Website - JIC Insurance - Icon - Benefits 12](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%2012.png) #### **Ownership Structure ** Trauma Cover is usually held personally, although product structures can vary. It is important to review how the policy is owned, who would receive the benefit and whether the structure suits your needs. ![Website - JIC Insurance - Icon - Benefits 4](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%204.png) #### **Premium Structure ** Consider whether premiums are affordable now and how they may change over time. Premiums may increase over time depending on the premium structure and policy terms. ![Website - JIC Insurance - Icon - Benefits 5](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%205.png) #### **Policy Terms** Review definitions, exclusions, claim requirements, the Product Disclosure Statement and the Target Market Determination before applying. MoneySmart says consumers should compare illnesses covered, exclusions, waiting periods, cover limits and future premiums when looking at trauma insurance. ![Website - JIC Insurance - Icon - Benefits 2](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%202.png) ## Ready to Compare Trauma Insurance Options? Use JIC Insurance’s online comparison tool to compare Trauma Insurance and Critical Illness Cover options from a range of leading Australian insurers.  [Compare Trauma Insurance Options](https://www.jicinsurance.com.au/quote-tool?hsLang=en) ##### Possible Through Super? ## Can Trauma Insurance Be Held Through Super? Trauma Insurance is generally not commonly offered through superannuation in the same way as Life Cover, TPD Insurance or Income Protection Insurance. Many Australians may have Life Cover, TPD Cover or Income Protection through super, but Trauma Cover is usually reviewed separately. When reviewing Trauma Insurance, it is important to consider: - Whether you already have related cover - Whether you have Life Cover, TPD or Income Protection through super - Whether a personal Trauma policy may suit your needs - Whether premiums are affordable from personal cash flow - Whether the covered conditions match the risk you want to protect against - Whether the policy definitions and exclusions are suitable Before applying for new cover, it can be useful to check what insurance you already have through super and whether there are any gaps in your overall protection. ## Why Compare Trauma Insurance with JIC Insurance?  #### **Simple Online Comparison ** Compare available Trauma Insurance options through a clear online quote process.  ![Website - JIC Insurance - Icon - Benefits 7-1](https://www.jicinsurance.com.au/hs-fs/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%207-1.png?width=200&height=200&name=Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%207-1.png) #### **Range of Leading Insurers** Review Critical Illness Cover options from a range of Australian insurers.  ![Website - JIC Insurance - Icon - Benefits 8](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%208.png) #### **Support Available** Get help if you need assistance understanding the comparison, policy terms or next steps.  ![Website - JIC Insurance - Icon - Benefits 9](https://www.jicinsurance.com.au/hubfs/Website%20-%20JIC%20Insurance%20-%20Icon%20-%20Benefits%209.png) ##### FAQs ## Trauma Insurance FAQs ###### Can I compare Trauma Insurance quotes online? Yes. JIC Insurance’s online comparison tool allows you to compare available Trauma Insurance options from a range of leading Australian insurers. ###### What does Trauma Insurance generally provide? Trauma Insurance generally provides a lump sum payment if the insured person suffers a specified serious illness or injury covered by the policy. ###### What affects Trauma Insurance premiums? Premiums may be affected by factors such as age, occupation, health history, smoking status, cover amount, covered conditions, ownership structure and premium structure. ###### Can Trauma Insurance be held through super? Trauma Insurance is generally not commonly held through superannuation in the same way as Life Cover, TPD Insurance or Income Protection Insurance. It is important to review the available ownership options and policy terms before applying. ##### Learn More ## Learn more about trauma insurance ![How Much Trauma Cover Should I compare - Thumb nail (1)](https://www.jicinsurance.com.au/hubfs/How%20Much%20Trauma%20Cover%20Should%20I%20compare%20-%20Thumb%20nail%20(1).jpg) ##### [How much Trauma insurance do I need?](https://www.jicinsurance.com.au/jic-insurance-blog/how-much-trauma-insurance-cover-should-i-compare?hsLang=en) The answer to how much Trauma insurance you need depends on your circumstances. This article provides helpful guidance, with a basic formula and example calculation. ![Blog Post 3 - Thumb nail (1)](https://www.jicinsurance.com.au/hubfs/Blog%20Post%203%20-%20Thumb%20nail%20(1).jpg) ##### [Life Insurance: What to Check Before You Apply](https://www.jicinsurance.com.au/jic-insurance-blog/life-insurance-what-to-check-before-you-apply?hsLang=en) A comparison or quote is not a formal offer for insurance, it is the first step before submitting an applicaiton. This article covers some things you should consider before you apply. ##### Are You Ready? ## Compare Trauma Insurance Quotes Online If you want financial protection against specified serious illnesses or injuries, Trauma Cover may be worth reviewing. JIC Insurance can help you compare available Trauma Insurance and Critical Illness Cover options online and get support if needed. [Compare Trauma Insurance Options](https://www.jicinsurance.com.au/quote-tool?hsLang=en) [Book a Call](https://www.jicinsurance.com.au/meetings/jasmine-jorgensen/jic-insurance-team?hsLang=en) [![JIC Insurance - Badge](https://www.jicinsurance.com.au/hs-fs/hubfs/JIC%20Insurance%20-%20Badge.png?width=250&height=250&name=JIC%20Insurance%20-%20Badge.png)](https://www.jicinsurance.com.au/en-au/?hsLang=en) ## Copyright © 2024 Jorgensen Investment Company Insurance All Rights Reserved. [Privacy Policy](https://www.jicinsurance.com.au/hubfs/JIC%20Insurance%20Privacy%20Policy-1.pdf?hsLang=en) | [Terms of Use](https://www.jicinsurance.com.au/hubfs/JIC%20Insurance%20Terms%20of%20use-1.pdf?hsLang=en)[ |](https://www.hubspot.com/) [General Advice Warning](https://www.jicinsurance.com.au/hubfs/JIC%20Inusrance%20-%20General%20Advice%20Warning-1.pdf?hsLang=en) **General Advice Warning** The information on this website is of a general nature. It does not take your specific needs or circumstances into consideration, so you should look at your own financial position, objectives and requirements and seek financial advice before making any financial decisions. Before you take any action or purchase any financial products mentioned on this website, you should consider whether it is appropriate having regard to your own objectives, financial situation and needs. You should obtain the Product Disclosure Statement (PDS) that is related to the relevant financial products mentioned on this website. JIC Insurance Pty Ltd is a Corporate Authorised Representative (#1310905) under JIC Adviser Network Pty Ltd (AFSL 562451) ###### Get In Touch (07) 3185 3110 sales@jicinsurance.com.au JIC Insurance, Level 14, 167 Eagle Street Brisbane CBD QLD 4000 [Life Insurance](https://www.jicinsurance.com.au/life-insurance-quotes-online?hsLang=en) | [TPD Insurance](https://www.jicinsurance.com.au/tpd-insurance-quotes-online?hsLang=en) | [Trauma Insurance](https://www.jicinsurance.com.au/trauma-insurance-quotes-online) | [Income Protection](https://www.jicinsurance.com.au/income-protection-insurance-quotes?hsLang=en) | [Blog](https://www.jicinsurance.com.au/jic-insurance-blog?hsLang=en) ```json { "@context" : "https://schema.org", "@id" : "https://www.jicinsurance.com.au/#organization", "@type" : "Organization", "email" : "sales@jicinsurance.com.au", "legalName" : "JIC Insurance Pty Ltd", "logo" : "https://www.jicinsurance.com.au/hubfs/JIC%20Insurance%20-%20Side%20Text%20Logo-1.png", "name" : "JIC Insurance", "telephone" : "+61 7 3185 3110", "url" : "https://www.jicinsurance.com.au/en-au/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.jicinsurance.com.au/trauma-insurance-quotes-online#webpage", "@type" : "WebPage", "description" : "Compare trauma insurance quotes online with JIC Insurance. 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