Trauma Cover
Secure lump sum payment support in the case of a traumatic health event.
Protecting You Through Life's Unexpected Turns
Life is full of unexpected twists and turns, and sometimes those twists can lead to traumatic events. At Bay Insurance, we understand that facing a serious illness or injury can be emotionally and financially overwhelming. That’s why we offer Trauma Cover, a vital component of our insurance solutions designed to provide you with financial support when you need it most.
What Is Trauma Cover?
Trauma cover, also known as critical illness insurance, provides a lump sum payment if you are diagnosed with a specified serious illness or condition. Common conditions covered include cancer, heart attack, stroke, and major surgeries. The payout is intended to help with the financial impact of these conditions, such as covering living expenses, paying off debts, accessing specialist treatments not covered by health insurance, or making necessary lifestyle changes. The benefit is paid out regardless of other insurance policies and can be used however the policyholder chooses.

Providing Security
Just as Life Cover offers essential protection for your family’s future, our Trauma Cover is your shield against the financial fallout of critical illness or injury. With Bay Insurance Trauma Cover, you can rest assured that you and your loved ones are safeguarded during life’s most challenging moments.
Our Trauma Cover advice goes beyond financial protection – it’s a lifeline during difficult times. In the event of a covered diagnosis, Trauma Cover provides you with a lump sum payment, offering immediate financial support when you need it most. Whether it’s a heart attack, stroke, cancer diagnosis, or other critical illness, our cover ensures you have the resources to focus on your recovery and well-being.
We can arrange tailored insurance cover for:
Comprehensive Coverage
Our Trauma Cover provides protection against a wide range of critical illnesses and injuries, including but not limited to heart attack, stroke, cancer, and major organ transplant.
Financial Security
Trauma Cover offers peace of mind knowing that you and your family are financially protected in the face of life's unexpected challenges. With the financial support provided by Trauma Cover, you can focus on your recovery without worrying about the financial burden.
Lump Sum Payment
In the event of a covered diagnosis, you will receive a lump sum payment. This payment can be used however you see fit, whether it's covering medical expenses, replacing lost income, or making necessary modifications to your home or lifestyle
Additional Benefits
Depending on your policy, Trauma Cover may include additional benefits such as partial payments for less severe conditions, coverage for children, and access to support services to assist you during your recovery journey.
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“Each individual has different insurance needs, and finding what cover is right for them can be overwhelming. I love working here because we work closely with everyday people to remove that stress.”
Christine , Broker
Testimonials
What Our Clients Say
Insurance policies can be complex. We understand that you may feel overwhelmed, and we want to create clarity to ensure you receive the best policy, that delivers on both coverage and value
Phil Strang2023-12-16 We have used Bay Insurance for several years now. Barry and his team have been professionals to deal with and have provided exceptional service attending to some claims we have had. On the back of recommendations to four or five friends, family, and associates, Barry has secured further business and reports back are that they, too, are very pleased with the service and value. Bay Insurance provide some unique wording in their policy's so as to provide better cover, and whilst premiums may not necessarily be cheaper, the cover and service experience offers better overall value for money. Su-an McMahon2023-10-16 Been with Bay Insurance and Mark since moving to the BOP 16 years ago!! Never once been anything other than SUPER impressed. Always so much care and consideration given to us and our business. Always a pleasure team, always xxx Sean O'Sullivan2023-08-21 Great business to deal with. Andy Kennedy2022-09-10 Great service N S2022-03-08 Awesome service always, specially Kate and Angela, they go out of their way to find all the info you need to also save you $$. Very easy to deal with . Graham Jones2021-10-11 Very good . 10/10 Ian Sherwood2021-05-12 Good brokers to look after your insurance needs Logan Rushton2020-08-16 Since moving to Tauranga in 2019 we have found Lydia and the team at Bay Insurance Brokers super helpful. They recently arranged moving some insurance papers with another Tauranga insurance company. I would not hesitate to recommend Bay Insurance Brokers to the community!
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Why Choose Us?
Complete risk solutions
Get a wide range of services to cover your unique insurance needs.
Flexible Payment options
Flexible premium payment options where clients can opt to pay in instalments.
Claims Management
Have a Claims Manager who is always available and dedicated to get the best possible outcome for you.
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