Trauma Insurance Lawyer & Claims
Our trauma insurance lawyers are ready to act to right wrong and unlock access to what’s rightfully yours.
What is trauma insurance?
If you’ve ever wondered ‘is trauma insurance worth it’ or asked ‘what is trauma cover’:
Trauma insurance (also called ‘critical illness insurance’ and ‘recovery insurance’) is insurance for a specified illness or injury
If successful, trauma insurance:
Provides a lump sum payment for your medical treatment and to give you ‘breathing space’ to recover
Is paid regardless of whether you must stop work or are permanently disabled because of your specified illness or injury
Who can make a trauma insurance claim?
What’s covered under trauma insurance policies can differ between insurers. It’s important that you’re familiar with your policy’s product disclosure statement.
You can make a trauma insurance claim if:
You have a trauma insurance policy
You’re diagnosed with or suffer a critical illness or serious injury that’s detailed in your trauma insurance policy
You wouldn't meet the eligibility requirements for a trauma insurance claim if:
You don’t have a trauma insurance policy
Your illness or injury:
Isn’t specified in your trauma insurance policy
Is subject to exclusions or waiting periods
What are the most common trauma insurance claims?
The most common trauma insurance claims are for:
Cancer
Heart attack
Coronary bypass
Stroke
What other illnesses or injuries are covered in a trauma insurance policy?
Many more critical illnesses and injuries can be included in a trauma insurance policy, such as:
Alzheimer’s disease and dementia
Blindness
Deafness
Quadriplegia and paraplegia
Motor neurone disease
Chronic lung disease, kidney failure or liver disease
How Shine Lawyers’ trauma insurance lawyers can help with a trauma insurance claim
Shine Lawyers specialise in all aspects of trauma insurance claims.
What can I claim for?
Your trauma insurance payment will depend on the terms of your policy, and the impact of the specified illness or injury.
You may be entitled to a lump sum for:
Out-of-pocket medical expenses
Mortgage payments
Living expenses
Nursing care and therapy
Modifications to your home or special transport (required by your illness or injury)
How long will it take?
Times will depend on the complexity of your case.
We’ll work to secure the best possible outcome for your future as quickly as possible.
Fees
Ensuring everyone has access to justice is important to us. We offer our trauma insurance services on a No Win, No Fee* basis. This means you won’t have to worry about legal fees unless we receive a successful outcome for you.
*Conditions apply
Additional trauma insurance case types
Depending on the circumstances of your trauma insurance claim, you may be eligible for other forms of compensation. Our expert team will help you understand your available claim options. They could include:
Preparing for a trauma insurance claim
When preparing to make a trauma insurance claim, there are some important steps to take:
Review your trauma insurance policy
Our trauma insurance lawyers can help you do this if you haven’t already. We can help identify any steps required by your insurer before making your trauma insurance claim.
Medical certificate
See your GP for your critical illness or serious injury
Ask for a medical certificate to support your trauma insurance claim
It’s better to see your own GP. They’ll know your medical history and the impact of your illness or injury on your life and work
Contact Shine Lawyers
Our trauma insurance lawyers can help you to right wrong and access your lump sum entitlement.
Find out if you have a trauma insurance claim by using our fast and free online tool, or
Do you have a case?
We're here to make the legal process as simple and stress-free as possible.
Trauma insurance claim process
We listen and assess your trauma insurance case confidentially
During your initial obligation-free consultation our trauma insurance lawyers will take the time to listen to and understand your situation. We’ll review your trauma insurance policy entitlements and explain all claim options available to you.
We’ll build your trauma insurance case and keep you informed
We’ll work with you to gather the documentation and medical evidence required to support your trauma insurance claim. You focus on your recovery, and we’ll take care of the rest while keeping you in the loop about your trauma insurance claim.
Once our investigations are complete, we’ll advise you of the best way forward for your trauma insurance claim.
We’ll negotiate to settle your trauma insurance claim
We’ll liaise with and make the relevant submissions to your insurer to maximise your trauma insurance claim. Most of our cases settle at this point without going to court.
If required, go to court for your trauma insurance claim
Only a small percentage of trauma insurance claims go to a court. If this happens, our legal experts have the skill and experience to guide you through the process.
We’ll ensure you’re feeling comfortable, confident, and informed of the trauma insurance claim process and what's required from start to finish.
Resolve your trauma insurance claim
If your trauma insurance claim is successful, you'll receive the lump sum compensation you deserve, so you can focus on your future.
No Win, No Fee*
We do our best up-front to make sure you understand your legal case, including whether your case is on our No Win, No Fee* basis.
*Conditions apply
Trauma insurance claim FAQs
Trauma insurance vs TPD, what’s the difference?
Trauma insurance and total and permanent disability insurance (TPD) are two different types of insurance policy. Many Australians have both forms of insurance.
Trauma insurance protects you if you’re critically ill or seriously injured and require significant medical treatment to recover. If successful it provides a lump sum payment regardless of whether you return to work
TPD replaces your income (up to a defined monetary amount) if you’re permanently disabled because of illness or accident and can’t ever return to work
Is there a trauma insurance lawyer near me?
With over 40 branches across Australia and 1000+ team members, Shine Lawyers has a trauma insurance lawyer near you. No matter where you're located, we’ll always provide the same, expert advice and manage your trauma insurance claim with the same level of quality and commitment.
If you’d like to speak to our Trauma Insurance team in person, you can see our full list of locations here.
If you can’t find a location near you, we can easily arrange an obligation-free virtual appointment or meet somewhere comfortable and convenient for you.
Do I need to have income protection or TPD insurance to make a claim?
Trauma insurance is a different policy from income protection insurance and TPD. To make a trauma insurance claim, you must have a trauma insurance policy which specifically includes your critical illness or serious injury.
What are my options to appeal a trauma insurance claim?
If your trauma insurance claim is rejected, don’t give up hope. It’s important to understand why your claim has been rejected. The options that may be available to you for review of your insurer’s decision include:
Submitting a complaint to your insurer
Lodging a complaint with the Australian Financial Complaints Authority
Seeking legal advice from expert trauma insurance lawyers
