Trauma / Critical Illness Calculator.
Calculate how much trauma (critical illness) insurance you need. Get a lump sum on diagnosis of cancer, heart attack, stroke, and other critical conditions.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Trauma insurance (also called critical illness insurance) pays a lump sum when you're diagnosed with a specified critical illness — cancer, heart attack, stroke, coronary artery bypass, and more. Unlike income protection (which replaces income while you can't work) or TPD (which requires permanent disability), trauma pays on DIAGNOSIS regardless of whether you can still work. This means you get cash immediately when you need it most — for treatment, mortgage payments, family support, or even taking time off to recover.
Real-world scenarios
Cancer Diagnosis at 45
Marketing manager earning $120,000 diagnosed with breast cancer. Needs 12 months treatment.
Income loss (12 months): $120,000 (partially covered by IP if held). Medical out-of-pocket: $25,000. Mortgage stress: ongoing. With $300,000 trauma cover: clears $25,000 medical, pays mortgage ($36,000/year), and provides financial cushion for recovery without income stress.