Trauma Insurance

Qantas Assure Life Protect

Trauma Insurance

Qantas Assure Life Protect

Help if you get cancer. Help if you’re critically injured. Help if you’re critically ill. Trauma Insurance is the financial protection that provides ‘breathing space’ to get better, access available medical treatment and spend valuable time with your loved ones. In short, you’ll have funds to help your recovery.

The Qantas Assure difference

Not all insurances are the same. When you join Qantas Assure Life Protect you can earn Qantas Points and put them towards flights, upgrades and more.

Earn up to 50,000 Qantas Points when you join 1
Min. premium applies
Earn 1 Qantas Point per $1 spent on your premium 2
Earn Qantas Points for using the Qantas Assure App 3

Why Qantas Assure Trauma Insurance?

  • A lump sum payment if you’re diagnosed with a critical illness or injury
  • Up to $500,000 payment
  • Cancer Advancement Benefit up to $50,000 if Cancer Cover is selected
  • The financial flexibility to pause your cover up to 3 months
  • No medical tests
  • You can update your cover if needed

Consider one or more of the following Covers

Trauma insurance cover - Cancer Cover

Cancer Cover

Cancer is a fact of life, unfortunately, and affects many Australians both young and old. Cancer Cover pays a lump sum payment giving you choices for your recovery if you’re diagnosed with a covered cancer such as advanced breast or prostate cancer.

Trauma insurance cover - Critical Injury Cover

Critical Injury Cover

Injury can hit at any time. Critical Injury Cover provides financial cover for injuries caused by an accident like severe burns, major head trauma, loss of hearing or speech, or injuries that put you in Intensive Care.

Trauma insurance cover - Critical Illness Cover

Critical Illness Cover

Just like cancer, other serious Illnesses may require a long recovery too. Critical Illness Cover provides a lump sum payment to you in the event of major heart conditions, neurological conditions such as Dementia and organ disorders such as Chronic Liver Failure.

Not sure what insurance you need?

Why Qantas Assure?

Today, Qantas Frequent Flyer members can feel confident that they’ll be looked after from the moment they take out an insurance policy, right through to when they claim.

Qantas Assure Life Protect is piloted by Qantas and backed by TAL, insurance underwriters for over 140 years. In 2016, TAL paid out over $1.3 billion in claims, the equivalent of $26 million a week, so you can see why they are our chosen partner.

Why Qantas Assure?

Today, Qantas Frequent Flyer members can feel confident that they’ll be looked after from the moment they take out an insurance policy, right through to when they claim.

Qantas Assure Life Protect is piloted by Qantas and backed by TAL, insurance underwriters for over 140 years. In 2016, TAL paid out over $1.3 billion in claims, the equivalent of $26 million a week, so you can see why they are our chosen partner.

  • Options available
    • Standalone vs Bundled Insurance

      When you select more than one insurance, you can choose to have them Standalone or Bundled. Standalone – means you can keep all your insurances independent – purchase just one, two, three or all four insurances independently and receive the full Benefit Amount on acceptance of each claim. You will pay more for Standalone, but the advantage is that if you make a claim, the Benefit Amount of your remaining insurances will not be reduced, unlike Bundled insurance. Bundled – you can bundle TPD or Trauma Insurance with Life Insurance Cover. If you bundle covers, the payout of one Cover will reduce the Benefit Amount of the covers within the Bundle by a corresponding amount (Bundled Cover can only be set up over the phone).

      For more information please see the 'Choosing between Standalone and Bundled Insurance' section of the PDS

    • Premium Relief

      If you add this option, you won’t need to pay your Trauma Insurance premiums if you are unable to work for at least three consecutive months due to illness or accident. (This can only be set up over the phone).

      Life Buy Back

      If you bundle your Trauma Insurance with your Life Insurance, you can buy back any Life Insurance that has reduced after a Trauma Insurance payment. (Bundled Cover and Life Buy Back can only be set up over the phone).

      For more information please see the PDS

  • How claims work
    • How to make a claim

      To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claim Manager to find out what you need to make it as easy as possible for you.

      For more information please see the PDS

  • General Information
    • The cost

      The cost of your Trauma Insurance cover will depend on a range of factors, including your age and gender, occupation, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker.

      Minimum and Maximum Cover

      You can apply for between $100,000 and $500,000 worth of cover.

      What you’re not covered for

      Qantas Assure Life Protect gives you options to build a comprehensive insurance plan, but there are some events we can’t cover. For example, if your injury is an intentional or self-inflicted act.

      Premium changes

      Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However we are able to change the premium rates for all customers if conditions change or we receive more claims than expected.

    • Eligibility

      The eligible age range is from 18 to 59 years old. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply.

      Cover Start and End Dates

      We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 69th birthday (or 99th for bundled cover). This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure.

      Applying for cover

      When you apply for Qantas Assure Life Protect, you will be asked a number of health and lifestyle questions. These questions relate to your Duty of Disclosure, and your answers may mean that you have increased risk factors under the Policy. If any special conditions apply we will discuss these with you.

      Medical Definitions

      Our medical definitions are regularly reviewed and kept current. The Code sets out minimum standard definitions, including those applicable to trauma/critical illness cover issued on or after 1 July 2017.

      For more information please see the PDS

  • Trauma Insurance

    You can receive a lump sum payment if you’re diagnosed with a covered illness or injury.

    Inflation Protection

    Inflation Protection could automatically increase your cover amount by 5% every year, or by the Consumer Price Index – whichever is greater. Your premiums will also increase accordingly.

    Future Life Events

    If a specific life event happens, for example getting married or having a child, you can easily update your Trauma Insurance cover.

    Cancer Advancement Benefit

    If you include Cancer Cover, we can make an advance payment of 25% of the total benefit amount up to $50,000 for conditions such as Early Stage Prostate Cancer.

  • Cover Pause

    In case of financial hardship, you can pause your cover for up to three months. You won’t pay premiums but you also won’t be covered during the Cover Pause period and 3 months after you restart paying premiums. It’s easy to switch on your cover again and you won’t need to go through the health and lifestyle assessment again. (This can only be set up over the phone).

    Stepped vs. Level Premiums

    You can choose to pay either Stepped or Level Premiums. Stepped Premiums increase every year, but generally start off cheaper. Level Premiums generally start higher but do not increase each year with your age. Level premiums can increase through general premium rate rises and through Inflation Protection.

    For more information please see the PDS

  • Standalone vs Bundled Insurance

    When you select more than one insurance, you can choose to have them Standalone or Bundled. Standalone – means you can keep all your insurances independent – purchase just one, two, three or all four insurances independently and receive the full Benefit Amount on acceptance of each claim. You will pay more for Standalone, but the advantage is that if you make a claim, the Benefit Amount of your remaining insurances will not be reduced, unlike Bundled insurance. Bundled – you can bundle TPD or Trauma Insurance with Life Insurance Cover. If you bundle covers, the payout of one Cover will reduce the Benefit Amount of the covers within the Bundle by a corresponding amount (Bundled Cover can only be set up over the phone).

    For more information please see the 'Choosing between Standalone and Bundled Insurance' section of the PDS

  • Premium Relief

    If you add this option, you won’t need to pay your Trauma Insurance premiums if you are unable to work for at least three consecutive months due to illness or accident. (This can only be set up over the phone).

    Life Buy Back

    If you bundle your Trauma Insurance with your Life Insurance, you can buy back any Life Insurance that has reduced after a Trauma Insurance payment. (Bundled Cover and Life Buy Back can only be set up over the phone).

    For more information please see the PDS

  • How to make a claim

    To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claim Manager to find out what you need to make it as easy as possible for you.

    For more information please see the PDS

  • The cost

    The cost of your Trauma Insurance cover will depend on a range of factors, including your age and gender, occupation, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker.

    Minimum and Maximum Cover

    You can apply for between $100,000 and $500,000 worth of cover.

    What you’re not covered for

    Qantas Assure Life Protect gives you options to build a comprehensive insurance plan, but there are some events we can’t cover. For example, if your injury is an intentional or self-inflicted act.

    Premium changes

    Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However we are able to change the premium rates for all customers if conditions change or we receive more claims than expected.

  • Eligibility

    The eligible age range is from 18 to 59 years old. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply.

    Cover Start and End Dates

    We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 69th birthday (or 99th for bundled cover). This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure.

    Applying for cover

    When you apply for Qantas Assure Life Protect, you will be asked a number of health and lifestyle questions. These questions relate to your Duty of Disclosure, and your answers may mean that you have increased risk factors under the Policy. If any special conditions apply we will discuss these with you.

    Medical Definitions

    Our medical definitions are regularly reviewed and kept current. The Code sets out minimum standard definitions, including those applicable to trauma/critical illness cover issued on or after 1 July 2017.

    For more information please see the PDS

Qantas Assure endorses the Life Insurance Code of Practice so you always receive the highest possible standard of service. Find out more.

Join now and make life more rewarding

1, 2, 3 Disclaimers

The information on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold an insurance product, you must read the relevant combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG). New applications and changes to cover are subject to acceptance.

Qantas Assure Life Protect is promoted by Qantas Airways Limited ABN 16 009 661 901 authorised representative No 261363 of the distributor, TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Policies and claims administered by the insurer, TAL Life Limited ABN 70 050 109 450 AFSL 237848. Qantas Points are at the discretion of Qantas and may be withdrawn at any time.