Every trauma cover policy includes a set of definitions that determine the following:

• The medical conditions covered by your policy.

• The level of severity required for a claim to be paid.

• The percentage of the insured sum that will be paid if you experience one of the covered conditions.

Generally, trauma cover is designed to provide protection for serious illnesses that typically involve expensive medical treatment, a significant recovery period, or major lifestyle adjustments. It is not intended to cover minor conditions that only require simple or non-invasive treatments.

For instance, you might receive a diagnosis of skin cancer that has not spread and is treatable with a single procedure. Alternatively, you might be diagnosed with an aggressive form of skin cancer that necessitates months of chemotherapy or radiotherapy. Although both cases fall under the category of "skin cancer," they have vastly different impacts on your life.

To access the specified trauma definitions applicable to your policy, you can refer to the Product Disclosure Statement (PDS) related to your insurance. Many of these definitions have become standardised across the life insurance industry. It is important to carefully review and understand the variations between policies to ensure you choose the most suitable cover for yourself and your loved ones.