Trauma

The value of Trauma Insurance .

Trauma Insurance will provide you with a lump sum if you suffer from one of the specified trauma conditions such as cancer, heart attack or stroke.

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.

KEY BENEFIT FEATURES

Pays an extra 25% for some lifestyle-changing events

 

Trauma cover pays 125% of sum insured for loss of limbs, loss of sight and paralysis.

Needlestick covered as standard

 

Occupationally acquired HIV, Hepatitis B and Hepatitis C covered as standard trauma conditions, can reduce the need for extra needlestick cover.

Expiry Age

 

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.

Enhancements are passed back

 

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.

Your insurance is guaranteed renewable each year until expiry

 

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.

Worldwide Insurance

 

Your insurance covers you wherever you are in the world.

Increase your insurance without providing medical evidence

 

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.

Profit-Share

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.

Indexation for Professionals

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.

Professional Events

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

Flexible Premium Structure

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

True Level Premium

Premiums for any increased cover, from the application of the Indexation for the Professionals Benefit, is based on your age at the date of commencement of your cover and not your age at the time the indexation is applied.

Change of Ownership

The plan ownership may be transferred at any time with no underwriting.

Other cover options

Income Protection

Total & Permanent Disability

Business Expenses