A lump sum payout is intended to be made in the case of a major illness or accident with trauma cover, sometimes referred to as critical illness insurance. Financial protection in the form of reimbursement for medical bills and other related expenditures can be provided by this kind of coverage to people who receive a diagnosis of illnesses like cancer, heart attacks, or stroke. Offering policyholders and their families peace of mind, trauma coverage is frequently offered in New Zealand as an add-on to comprehensive health insurance plans.