Trauma Cover pays a lump sum if you're diagnosed with a covered serious illness or suffer a specified medical event, helping you focus on your recovery without the added financial pressure.

Total and Permanent Disability (TPD) Cover pays a lump sum if you become permanently unable to work due to illness or injury and meet your policy's definition of disability.

Mortgage Protection Cover provides regular monthly payments if you're unable to work due to illness or injury, helping you continue meeting your mortgage repayments and other ongoing financial commitments.

Medical Cover, also known as Health Insurance, helps pay for eligible private healthcare costs, giving you faster access to diagnosis, treatment and specialist care.

Life Cover pays a lump sum if you pass away or are diagnosed with a terminal illness, helping provide financial security for the people who depend on you.

Income Cover provides regular monthly payments if you're unable to work due to illness or injury, helping you continue to meet your everyday living expenses while you recover.

Funeral Cover provides a lump sum payment to help cover funeral and related expenses after someone passes away, helping to reduce the financial burden on loved ones during a difficult time.

Standalone and Accelerated describe how Trauma or TPD Cover is structured alongside your Life Cover.

Own-Occupation and Any-Occupation are different definitions used in Total and Permanent Disability (TPD) Cover to determine whether you meet the requirements for a claim.

Accidental Death Cover pays a lump sum if you pass away as the direct result of an accident. It does not provide cover for death caused by illness or natural causes.

Agreed Value and Indemnity Value are two different ways an Income Protection benefit can be structured.

Trauma Cover and TPD Cover may both provide a lump-sum payment, but they protect against two very different risks.

Cancer Cover is a simplified type of trauma insurance that pays a lump sum if you're diagnosed with a covered cancer.

Medical Tests benefits help cover the cost of eligible diagnostic tests that assist in diagnosing or investigating a medical condition. The level of cover depends on your health insurance policy and the type of test required.

Debt Protection helps a business repay or reduce business debt if a business owner, shareholder or key person dies, becomes seriously ill or suffers a total and permanent disability, depending on the policy structure.

Key Person Cover provides financial protection for a business if a key employee or business owner dies, becomes seriously ill, or suffers a total and permanent disability, depending on the policy selected.

Health Cover and Trauma Cover are designed to provide different types of financial protection. Here we break down the differences between the two covers.

Optical Cover is an optional benefit that can be added to some Medical Cover policies to help pay for eligible eye care expenses, such as prescription glasses, contact lenses and eye examinations.

Dental Cover is an optional benefit that can be added to some Medical Cover policies to help pay for eligible routine and major dental treatment.

Indemnity Value is a type of Income Protection policy where the monthly benefit is based on your income at the time you make a claim, subject to your policy's terms and conditions.