It can be an alarming fact that more and more Australians are suffering from cancer, heart disease, and stroke. But thanks to modern medicine and some scientific breakthroughs the chance of surviving these critical illnesses are increasing all the time. Where death used to be imminent with such illnesses as cancer, it is no longer the case.

The road to recovery becomes certain; however, there is another aspect which becomes a hard-hit area when you become unfit to work because of these types of critical illnesses – your finances. And this is where Asteron Trauma Insurance comes in.

What is the Asteron Trauma Insurance?

Asteron Trauma Insurance, also known as the Critical Illness insurance, pays you a lump sum if you become stricken with or diagnosed with a specific medical condition. You receive this lump sum benefit whether or not you are unable to work.

This lump sum can be used as how you deem fit, since the main purpose of trauma insurance is to help ease the financial pressure on you and your family. Thus, Trauma Insurance can also be referred to as Recovery Insurance because it helps you deal with the shock and trauma both emotionally and financially.

Why do you Need Asteron Trauma Insurance?

Studies have presented facts that cancer has become a major cause of death among Australians together with heart disease and stroke. Among the most affected when it comes to cancer are Australian women.

Facts show that one in four women is likely to have breast cancer before she reaches 75. If we translate that into a clearer figure, that would mean 700 women under 40 years old are diagnosed with breast cancer every year. Moreover, one out of four people are likely to suffer a critical illness between 30 and 64.

And how much expenses would treatment and recovery from cancer would incur? The Cancer Council of NSW has estimated that more than $40,000 is spent during the treatment and recovery period.

You would be saying that you are healthy and have enough savings and might not need Trauma Insurance. However, if you find yourself in one of the situations below, then you should consider Trauma Insurance.

• You are paying a mortgage.
• You are paying a credit card debt and any other debts.
• You have a family.
• You have a business.
• You are self-employed.
• You have insufficient savings to cover for additional expenses, such as medical bills.

What does Asteron Trauma Insurance have to Offer?

Asteron Trauma Insurance is one of the policies under the Asteron Lifeguard Recovery Program. This program offers a range of affordable and comprehensive levels of cover with lots of features and benefits.

Some of the features included are:

• Maximum lump sum coverage of $2,000,000 on 40 medical conditions, such as cancer, heart attack, stroke, HIV, and more.
• Partial payments for less serious medical conditions
• 24-hour worldwide cover
• $10,000 premium-free Child Cover for each of your children stricken with critical illness or seriously injured
• Ability to expand your cover without undergoing further medical check-ups
• Access to confidential support counselling

Aside from this, other additional features included in the program are:

• Cancer Cover Option provides a full or partial payment in the event of cancer, early stage Melanoma, Carcinoma, and more.
• Early Cancer Option is an optional benefit payable only once. This covers for 9 cancer definitions, such as breast, melanoma, and prostate. The amount paid is an advance payment of your trauma benefit which is 10% of the total amount insured and $10,000.

Why Choose Asteron Trauma Insurance?

Not all Trauma Insurance polices are made equal. So how do you choose the right Trauma cover for you and your family?

Aside from the programs an insurance provider offers, it also helps to look at the track record of the company to get a glimpse if it really fulfils what it promises. Here are some points what make Asteron Trauma Insurance your choice of cover:

• A proven track record. What does a company which has been around 175 years tell you? Time surely says a lot – no company will be able to endure that long if people are not satisfied. Founded in 1833, Asteron has been giving millions of Australians the necessary cover they are looking for.
• Life Insurance Company of the Year. Being around for a long time is one thing, and receiving awards is another thing. Asteron has been the recipient of various awards over the years given by different award-giving institutions in the industry.
• Benefits for Loyal Clients. If you have been with a company for a long time, it is just natural to expect some kind of reward or bonus. Asteron rewards its loyal customer for every year of your stay.
• Exceptional Support. Asteron’s team of highly-trained and qualified individual will help you every step of the way. You won’t have the feeling of being lost or perplexed as each policy will be thoroughly explained to you.

Why leave everything to chance when you can have protection against critical illness. With Asteron Trauma Protection, you don’t have to worry about the additional financial expenses when you are diagnosed with a critical illness. Asteron will help you pick up the slack while you recover and get back on your feet again.