Client Profile
Name: Anil
Occupation: Self-employed IT contractor
Insurance Type: Zurich 3-in-1 Active Cover (Trauma Insurance with multiple claim capability)
Initial Sum Insured: AUD $1,000,000
Claim Amounts Paid:
- AUD $50,000 for cardiac condition
- AUD $200,000 for cancer diagnosis
- Remaining insured benefit available: AUD $750,000
Case Background
As a self-employed IT engineer, Anil understood the financial risks of facing a major illness without employer sick leave or income protection. To safeguard against this, he chose the Zurich 3-in-1 Active Cover — a trauma insurance solution designed for those seeking not only income support during critical health events but also help with out-of-pocket medical costs.
This policy allows for multiple claims across different health events, making it ideal for long-term protection.
Medical Evidence
First Claim – Cardiac Event. Three years after taking out the policy, Anil was diagnosed with a serious heart condition and underwent surgery to implant a permanent cardiac defibrillator. According to the policy’s Heart and Artery Table – Category E, this procedure qualified as a defined trauma event.
- Benefit Paid: AUD $50,000 (5% of the original sum insured)
- Remaining cover after payout: AUD $950,000
Second Claim – Cancer DiagnosisTwo years later, Anil was diagnosed with cancer. This met the definition under the Cancer Table – Category D in his Zurich 3-in-1 Active Cover policy.
- Benefit Paid: AUD $200,000 (20% of remaining cover)
- Remaining cover after payout: AUD $750,000
Medical reports confirmed the cancer type and stage were consistent with the clinical definition required under the policy. Anil responded well to treatment and has a positive recovery outlook.
Medical Assessment
Zurich assessed both claims based on the defined medical conditions in the policy:
- The cardiac defibrillator implantation was clearly listed as a Category E trauma event.
- The cancer diagnosis met Category D criteria.
- The two events were medically unrelated, qualifying as separate trauma events under the multi-claim feature.
The policy also allows for future claims if Anil’s cancer progresses or if unrelated health events occur, or even terminal illness or death.
Claim Resolution
With the support of the Zurich 3-in-1 Active Cover, Anil successfully claimed a total of $250,000 across two unrelated medical events. He still holds $750,000 in remaining trauma cover for future claims if needed.
These funds allowed Anil to manage treatment costs, cover personal leave, and focus on recovery without financial pressure.
Key Insights
- Zurich 3-in-1 Active Cover is designed for flexibility, offering multiple payouts for separate qualifying health events.
- Early-stage claims, such as for cardiac procedures, do not void future benefit eligibility.
- Cancer and heart-related claims are some of the most common trauma events — and are both claimable under this product.
- Remaining trauma benefit stays in place, giving policyholders continued protection into the future.
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Author Profile: Jeffrey Liu, JP, is the founder and principal adviser of Hippo Insurance (aka: Hippo Wealth), with a deep expertise in wealth protection. His extensive experience includes roles in the wealth management divisions of Westpac, ANZ, and a local multi-family office. As the host of “Riches Talk,” a podcast dedicated to cultivating personal and business growth, Jeffrey has established himself as a thought leader in developing life riches. His insights have been featured on SBS, The Australian, and Channel 7. Notably, he was a semi-finalist on Australia’s Got Talent in 2010. Learn more at http://www.hippoinsurance.com.au
