{"id":82565,"date":"2026-06-01T09:12:25","date_gmt":"2026-05-31T23:12:25","guid":{"rendered":"https:\/\/riskinfo.com.au\/news\/?p=82565"},"modified":"2026-06-03T11:20:24","modified_gmt":"2026-06-03T01:20:24","slug":"advisers-urged-to-revisit-trauma-insurance","status":"publish","type":"post","link":"https:\/\/riskinfo.com.au\/news\/2026\/06\/01\/advisers-urged-to-revisit-trauma-insurance\/","title":{"rendered":"Advisers Urged to Revisit Trauma Insurance"},"content":{"rendered":"<p>MetLife is urging advisers to reconsider the role of trauma insurance, saying many Australians remain financially exposed to the impact of serious illness.<\/p>\n<p>Research commissioned by the insurer found half of working Australians do not have three months\u2019 salary saved, while 41% are living payday-to-payday \u2013 underscoring the financial strain that can follow events such as cancer, stroke, or heart attack.<\/p>\n<blockquote><p>&#8230;41% [of working Australians] are living payday-to-payday<\/p><\/blockquote>\n<figure id=\"attachment_71926\" aria-describedby=\"caption-attachment-71926\" style=\"width: 151px\" class=\"wp-caption alignright\"><a href=\"https:\/\/riskinfo.com.au\/news\/files\/2024\/06\/meray-el-khoury2-e1720483339580.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-71926\" src=\"https:\/\/riskinfo.com.au\/news\/files\/2024\/06\/meray-el-khoury2-e1720483339580-252x300.jpg\" alt=\"\" width=\"151\" height=\"180\" \/><\/a><figcaption id=\"caption-attachment-71926\" class=\"wp-caption-text\">MetLife&#8217;s Meray El-Khoury<\/figcaption><\/figure>\n<p>MetLife Australia Chief Insurance Officer <strong>Meray El-Khoury<\/strong> said trauma cover can provide clients with immediate financial flexibility through a lump-sum payment, helping cover medical gaps, mortgage repayments, rehabilitation costs and caregiving needs.<\/p>\n<p>El-Khoury said: \u201cFor many people, the real financial strain begins after diagnosis. Time away from work, travel for treatment, rehabilitation and everyday bills don\u2019t stop just because you\u2019re unwell.\u201d<\/p>\n<p>Unlike income protection, trauma insurance is not linked to time off work or return-to-work timelines, allowing clients greater discretion over how funds are used following diagnosis.<\/p>\n<p>El-Khoury said trauma cover remains under-considered partly because it is generally not available through superannuation and requires an active advice conversation with clients.<\/p>\n<p>&#8220;Even with Medicare and private health insurance, many people still face out\u2011of\u2011pocket medical costs, reduced income and ongoing household expenses,&#8221; she said.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>MetLife is urging advisers to reconsider the role of trauma insurance, saying many Australians remain financially exposed to the impact of serious illness. Research commissioned by the insurer found half of working Australians do not have three months\u2019 salary saved, while 41% are living payday-to-payday \u2013 underscoring the financial strain that can follow events such [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":82569,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-82565","post","type-post","status-publish","format-standard","has-post-thumbnail","category-products"],"_links":{"self":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/82565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/comments?post=82565"}],"version-history":[{"count":5,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/82565\/revisions"}],"predecessor-version":[{"id":82663,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/82565\/revisions\/82663"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media\/82569"}],"wp:attachment":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media?parent=82565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/categories?post=82565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/tags?post=82565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}