This is important cover and can be incorporated with the life insurance cover. Trauma Cover pays a lump sum in the event of you suffering one of many listed conditions including the most common ones such as heart attack, stroke or cancer. (Refer to product brochure for a full list of conditions covered and other benefits).
The benefit can be structured in conjunction with the life insurance as an early payment of the life cover. That is, it gets paid out and the life cover reduces by the same amount as the trauma claim.
Or as a Stand Alone cover and not as an early payment from the life cover. This means that the life and trauma cover are separate from each other and any claim for trauma will not reduce the level of life cover.