What trauma conditions are covered?

The conditions covered under the Trauma Cover policy are outlined below. For full definitions of the conditions, please refer to the TOWER Life 360® Trauma Cover - Accelerated and / or TOWER Life 360® Trauma Cover - Stand Alone policy document. The medical condition must fit within the exact definition in the policy document.

The 44 serious conditions covered for full payments are:

Heart and Circulation

Aortic Surgery
Cardiac Arrest – Out of Hospital
Coronary Artery Angioplasty – 3 vessels or more
Coronary Artery Bypass Grafting Surgery
Primary Pulmonary Hypertension
Major Heart Attack (Myocardial Infarction)
Heart Valve Surgery
Cardiomyopathy

Cancer

Cancer – Life Threatening

Blood disorder

Aplastic Anaemia

Functional Loss/Neurological

Advanced Dementia (including Alzheimer’s Disease)
Benign Tumour of the Brain or Spinal Cord
Coma
Creutzfeldt-Jakob Disease
Encephalitis
Loss of Independent Existence
Major Head Trauma
Meningitis
Motor Neurone Disease
Muscular Dystrophy
Multiple Sclerosis
Paralysis (including):
- Hemiplegia
- Diplegia
- Paraplegia
- Quadriplegia
- Tetraplegia
Parkinson’s Disease
Peripheral Neuropathy
Stroke
Systemic Sclerosis

Loss of use

Deafness
Loss of Limbs and/or Sight
Total and Permanent Blindness
Loss of Speech

Organs

Chronic Liver Failure
Chronic Lung Failure
Chronic Renal Failure
Major Organ Transplant
Pneumonectomy

Other conditions

Advanced Diabetes
Intensive Care
Severe Burns
Medically Acquired HIV
Occupationally Acquired HIV

We recognise that in some cases a partial payment may ease financial strain where your condition falls outside of the above serious condition definitions, but meets the criteria for partial payment. The payment is the lesser of 25% of your chosen sum insured or $50,000.

The conditions covered for partial payment are:

Diagnosis Benefit

Coronary Artery Angioplasty – 2 vessels or less
Heart valve disease or disorder
Primary Pulmonary Hypertension
Cardiomyopathy
Multiple Sclerosis
Diabetes Mellitus Type 1, after the age of 30
Dementia
Alzheimer’s Disease
Total and permanent loss of use of one limb as a result of illness or injury
Total and permanent loss of use of one eye as a result of illness or injury
Total and permanent loss of use of hearing in one ear as a result of illness or injury
Chronic Liver Failure
Chronic Lung Failure
Chronic Renal Failure
Minor Heart Attack