Overview
How does it work?If you are diagnosed with a specified range of illnesses and conditions Trauma insurance will provide immediate funds to pay your rent or mortgage and other living expenses while you recover. This money can also be used to explore additional treatments that may quicken your path to recovery.
90 day stand down period
For some illnesses or conditions you will not be covered for the first 90 days after signing up for a policy. If you are diagnosed after the wait period, then payments will begin immediately.
Adjust for inflation
You can apply to have your trauma insurance adjusted for inflation to meet the rising costs of living year on year.
Paying your premiumsPayment options are flexible and we will work with you to determine the frequency and amounts that make sense for your lifestyle. Payment can be made via bank transfer, credit card, direct debit or other arrangements.
Applying is simpleWe make applying for Trauma insurance is easy. Simply call or book an appointment to speak with one of our representatives to discuss your needs and the amount of cover that is suitable for your needs.
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How is it different to Life insurance?What makes this product unique and especially valuable during a critical time is that your diagnosis does not have to be terminal. Rather, Trauma policies cover a comprehensive range of serious illnesses and conditions.
Renewing your insuranceYou have the right to renew your insurance each year no matter how your health is.
How much coverage could I qualify for?Generally, you could apply for any amount of cover but it could depend upon your health background, etc.
Recurring or progressive illnessSome policies will accommodate those who have a chronic illness or condition that is affecting their ability to secure an income. Policies may also include cover for various neurologic conditions (e.g., motor-neuron disease, multiple sclerosis), organ failure and functional disorders.
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Making a claim
You need to focus on recovering and we are here to help manage your claim as efficiently as possible. Our experience in the industry means that we can swiftly and efficiently help you with this process.
Depending on what type of claim you are making the process will vary. We are here to walk you through your claim and we always know the next steps. Get in touch with us to begin your claims process.
Telephone: (09) 580 0181
Email: info@canopygroup.co.nz
Depending on what type of claim you are making the process will vary. We are here to walk you through your claim and we always know the next steps. Get in touch with us to begin your claims process.
Telephone: (09) 580 0181
Email: info@canopygroup.co.nz
Frequently asked questions
Does Canopy help with any ongoing service?
Canopy’s advisers are dedicated to understanding your individual needs and building a lifetime
relationship with you, your family (and/or) business partners. We're here to help with questions,
changes to your cover, and of course claims. You will have our personal support, from quote to claim.
What is the cost of using an adviser from Canopy?
Our service is free.
Will my premium go up in the future?
Yes, your premium increases each year in line with your age and (if you have selected this option), inflation.
Some insurers have an option to pay a higher premium from the start, which stays the same for a set period
of time (e.g. five years, ten years or even until age 65 and beyond). Your Canopy adviser can talk you through
how this could save you money in the long term.
When is my first payment due?
Most insurers give you the ability to specify the date in the month you’d like your regular payment
processed. Once your policy is accepted and issued by the insurer, your first premium becomes due
within the following 2-3 weeks.
Read all FAQs here
Canopy’s advisers are dedicated to understanding your individual needs and building a lifetime
relationship with you, your family (and/or) business partners. We're here to help with questions,
changes to your cover, and of course claims. You will have our personal support, from quote to claim.
What is the cost of using an adviser from Canopy?
Our service is free.
Will my premium go up in the future?
Yes, your premium increases each year in line with your age and (if you have selected this option), inflation.
Some insurers have an option to pay a higher premium from the start, which stays the same for a set period
of time (e.g. five years, ten years or even until age 65 and beyond). Your Canopy adviser can talk you through
how this could save you money in the long term.
When is my first payment due?
Most insurers give you the ability to specify the date in the month you’d like your regular payment
processed. Once your policy is accepted and issued by the insurer, your first premium becomes due
within the following 2-3 weeks.
Read all FAQs here
Is this the right policy for my circumstances?Our recommended insurance policies depending on your age and circumstances.
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What other policies could I take with Trauma Insurance?We recommend you consider taking a combination of insurance policies with your life insurance.
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For advice or help, talk to an experienced adviser
Arrange a consultation with one of our advisers. We will help you decide what is the right insurance for you and how much cover you will require. |
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