Trauma Cover: Preparing for the Unthinkable

Life can change in a moment. None of us expect to face serious illness, but the reality is many New Zealanders will experience health challenges like cancer, a heart attack, or a stroke in their lifetime. When that happens, the emotional toll is heavy enough – the last thing you should have to worry about is money.

That’s where Trauma Cover comes in.

What is Trauma Cover?

Trauma Cover (also called Critical Illness Cover) is an insurance policy that pays out a tax-free lump sum if you’re diagnosed with a serious medical condition covered under your policy. Unlike health insurance, which pays for specific treatments, Trauma Cover gives you flexibility. You decide how to use the money:

• Cover medical or rehabilitation costs not funded elsewhere


• Replace lost income if you can’t work


• Pay the mortgage and household bills while you recover


• Create breathing room so you can focus on your health and your family

Why Do You Need It?

No one likes to think about “what if.” But the truth is, even healthy and active people can be blindsided by illness. Trauma Cover is about financial resilience – ensuring you and your loved ones don’t have to sell assets, drain savings, or struggle through bills when life takes a turn.

It’s not just money. It’s peace of mind, knowing your family’s lifestyle and future are protected even when the unexpected happens.

Why It’s Especially Important if You Have a Mortgage

Owning a home is one of the biggest financial commitments you’ll ever make. For most families, mortgage repayments are the single largest household expense. If your income stops suddenly due to illness, keeping up with repayments becomes a huge stress.

Trauma Cover acts as a safety net – it ensures you can continue paying the mortgage, protecting your home from risk while you recover. Without it, you could face the possibility of falling behind on repayments at the worst possible time.

The Mortgage Hub: More Than Loans

At The Mortgage Hub, we don’t just arrange mortgages. We also provide Trauma Care Insurance, because owning a home is about more than buying a property – it’s about protecting your family’s financial security for the long run.

Our role is to:

• Explain how Trauma Cover works and tailor it to your needs


• Show how it fits alongside your mortgage plan


• Ensure you have the right level of protection for your family’s lifestyle and
  goals

Think Ahead. Protect What Matters.

You can’t predict the future – but you can prepare for it. Trauma Cover ensures that when life throws the unexpected at you, you and your family won’t have to face it alone.

Contact us to chat about which Trauma Care cover is right for you and your family. Our advice is free, and we’re here to support you.

Watch our Instagram reel to learn more about Trauma Cover.