Trauma Insurance
The value of Trauma Insurance .
Professionals Choice Trauma Insurance has been designed so that you can focus on your recovery, rather than on how to fund any medical treatment or lifestyle adjustments that may result from having suffered from one of the defined trauma events.
Trauma Cover Insurance provides comprehensive cover for over 50 conditions, with market leading definitions, ensuring that should the unforeseen occur, you will have the peace of mind that your recovery is not on your shoulders alone.
Trauma cover pays 125% of sum insured for loss of limbs, loss of sight and paralysis.
Occupationally acquired HIV, Hepatitis B and Hepatitis C covered as standard trauma conditions, can reduce the need for extra needlestick cover.
Expires at 80, but the insured events will be reduced to loss of independent existence, loss of limbs, loss of sight or cognitive loss from age 70.
Our philosophy is to keep our benefits current. Hence, we’ll enhance the Professionals Choice product to reflect changes in society and medical enhancements.
Where enhancements do not result in an increase to your premium rates, we’ll automatically pass them onto you. If the enhancement does result in a premium increase, you will be given the option to apply for the enhancement with a related increase to your premium.
As long as you pay your premiums, we’ll continue to insure you with the same or enhanced terms and conditions until expiry. This applies even if you suffer changes to your health, you change occupations (including to non-professional occupations) or you take up different pastimes.
Your insurance covers you wherever you are in the world.
With our Future Increases Benefit and Business Increases Option your insurance cover can keep pace with your changing life, as they allow you to increase your insurance after certain life, professional and business events without the need to provide information about your health.
Members of PPS Mutual will be entitled to a share in the profits of the Professionals Choice product. PPS Mutual Professionals Choice is the only product to offer this feature in the Australian Insurance market.
Being exclusively for professionals we are able to offer the option of having benefits increase in line with your salary, based on increases in our Professional Earnings Index or inflation, whichever is greater.
You can also increase your cover without having to provide further medical evidence when certain career events occur such as becoming a partner or starting in private practice
A flexible premium structure provides for both a stepped and level premium structure for the one insurance type, allowing you to tailor your cover to benefit from the advantages of both premium structures
The plan ownership may be transferred at any time with no underwriting.