Trauma cover, sometimes called critical illness cover, pays you a tax-free lump sum if you're diagnosed with a serious condition like cancer, a heart attack or a stroke.
Here's the key difference from health insurance. Health cover pays the hospital. Trauma pays you, straight into your account, and you decide what to do with it.
That could be treatment, time off work, travel to see the right specialist, or simply keeping the household ticking over. Because serious illness can turn up at any age, getting cover sorted earlier usually means a lower premium.