Trauma insurance

Advice and guidance to understand how trauma insurance can safeguard your family

Liston Newton Advisory
Liston Newton Advisory is rated 4.8 from 32 reviews

Understand how trauma insurance fits within your personal insurance strategy

Trauma insurance is a lump sum insurance that covers you in the instance of serious injury or critical illness. It can be used to pay for medical costs, living expenses, therapy, debt repayments, and more.

While a useful type of insurance cover, depending on your financial situation it may not be a necessity. So we help you determine if trauma insurance is right for you and your family. And, should a trauma event occur, we handle the insurance claim on your behalf, and follow up until you receive payment.

  • Trauma insurance calculations
  • Insurance quotes
  • Policy implementation
  • Financial advice
  • Claim handling
  • Tax advice

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Learn more about your business with our comprehensive guides

At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.

  • Discover tax strategies and business structures available to you
  • Understand and apply new business management technology
  • Get in touch with us for information tailored to your business

Personal insurance planning from the experts

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40 years of experience

We have over 40 years of experience helping our clients understand their options, plan, and protect their personal wealth with comprehensive trauma insurance advice.

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Holistic advice

Your trauma insurance strategy isn’t just one thing. So we take a holistic approach, including financial planning, tax advice, and estate planning in your service.

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Access to trusted networks

We ensure you get access to our trusted network of financial advisers, estate planners, and a panel of over 15 insurance companies, to help you make the right trauma insurance decisions.

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A long-term collaborative approach

We make sure you completely understand your insurance decisions, and gain the knowledge to make the best trauma insurance choice for your future.

Learn more about your business with our comprehensive guides

At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.

  • Discover tax strategies and business structures available to you
  • Understand and apply new business management technology
  • Get in touch with us for information tailored to your business

Your personal and trauma insurance experts

At Liston Newton Advisory, we recognise that not everyone understands what trauma insurance is, or when it’s necessary. So part of our strategy is to help you determine whether this insurance is suitable for your financial situation.

If so, we’ll help you access the best trauma insurance quotes that suit your needs, and help set them up for you. We can even work with you to manage any claims, and ensure you receive the payment you’re entitled to.

Kieran Liston, Director | Consultant

Meet our team of trauma insurance advisers

We have worked with Liston Newton's Accountancy and Advisory Team for over a decade. During that time, our business has grown substantially both organically and through purchases. This wouldn’t have been possible without Liston Newton Advisory to assist with our business planning, providing proactive advice and ensuring our accounts were always compliant in a complex and volatile industry.
Karsten Horne
CEO, Reho Travel
Liston Newton's Accountants analysed our financial and business situation and helped us implement strategies to improve our position. Their strategies turned our business from making a loss, to recording a 6-month net profit of 36 per cent. And we are now on track to show a 240 per cent increase in turnover over the next financial year.
Lisa Clarke
SL Constructions
Liston Newton helped us move our accounting over to Xero. Their Accountant managed the set up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open 2 more stores without a significant increase in administration effort.
Peter Luskan
Pandora

This isn’t just insurance advice— it’s peace of mind

Getting the right personal and trauma insurance strategy ensures you and your family are set up for a secure future, and protected against any unforeseen accidents or illness.

So, it’s important to take a holistic approach that takes into account both your short and long-term goals, so we can ensure we’re matching the best trauma insurance cover with your unique situation.

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This is expertise you can trust

Get expert advice and guidance in managing your trauma insurance policy.

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Take control of your future with a trauma insurance plan

It’s never too early to ensure you and your family are taken care of. Speak with an expert today.

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Frequently asked questions

What is trauma insurance?

Trauma insurance works in much the same way as income protection insurance. It provides you with financial support in the event that you become critically injured or ill, and require extensive medical treatment.

With an active trauma insurance policy, you’ll receive a lump sum payment to cover all the necessary bills, expenses, and costs accrued during your recovery. It provides you with peace of mind that your finances are taken care of, and you’re able to access the right medical treatment and rehabilitation as you recover.

Is trauma insurance tax deductible in Australia?

Trauma insurance protection premiums are not a tax-deductible benefit under Australian tax rules. This is because it’s not considered a replacement for income. Instead, trauma insurance provides you with a lump sum payment to cover treatment and recovery for a medical condition or injury.

Can I use super to pay for trauma insurance protection?

Unfortunately, it’s not possible to pay for trauma insurance protection through your super fund.

What is generally covered in trauma insurance?

What’s covered under trauma insurance protection will change depending on the policy and the provider. However, there are a number of conditions you can expect to find covered on the majority of policies.

  • Heart conditions that require surgery, and conditions such as heart attack
  • Neurological conditions such as stroke, dementia, or Alzheimer’s disease
  • Major organ disorders, like chronic kidney failure, or major organ transplants
  • Common blood disorders that require treatment
  • Treatment and intensive care resulting from injury or illness
  • Permanent conditions resulting from injury or illness, such as loss of speech or hearing, blindness, loss of use of any limb, or any condition that results in a loss of independence.

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