Do you plan to never get ill?  That’s a great ambition and I hope you can pull it off.  But if, through no fault of your own, you develop a health condition that prevents you from working while you receive treatment, you’re going to need trauma insurance.

This type of cover pays a lump sum if you’re diagnosed with a serious health problem such as a heart attack or cancer.  The exact details will depend on your policy wording but the idea is to relieve financial stress while you focus on getting well.  You can use it to cover your mortgage, get rid of debt, take a holiday or even fund treatments the health system won’t pay for.   It’s your money to spend how you like.

Even if you’re not in paid employment this is cover you should have.  Don’t undervalue yourself.  You may be a caregiver so why not give yourself the ability  to pay for outside help while you concentrate on your own wellbeing?

Have you reviewed your insurance in the last few years?  If not make an appointment