3-in-1 Active Cover
3 in 1 Active Cover is a package of insurance designed to provide long term protection against the financial impact of severe illness, injuries, terminal illness and death.
Active Cover pays on 170 health events (More than any trauma Cover in Australia).
It's not a standard life/TPD/trauma bundle — it's a severity-based policy structure, where a higher proportion of benefit is paid for more severe events and you can make multiple claims over time.
Multiple Claims
Zero advice fees
Instant policy documents
Broadest Cover in Australia
Severity-Based
General advice only. We help you understand your options — you make the decision.
What Is Active Cover?
Active cover is not a standard life/TPD/trauma bundle — it's a severity-based policy structure, which is genuinely different from the traditional model.
Zurich Active covers 170 health events — more than any other trauma insurance in Australia — and pays claims according to severity, rather than an all-or-nothing lump sum. You can make multiple claims for progressive conditions and/or new health events while remaining protected under one policy — for the most serious conditions, including terminal illness and death, it still pays the full sum insured.
The Claim Protector feature keeps 25% of the total cover reserved for future health events until age 65, at no extra cost.
This benefit can help cover medical expenses, ongoing living costs, mortgage repayments, or other financial obligations while you focus on recovery.
What Does Active Cover Include?
Provides financial support if you suffer from health events, helping cover treatment costs, living expenses, and recovery needs.
Medical& Treatment Cost
Out-of-pocket costs not covered by Medicare or private health — specialist fees, gap payments. Access to treatments outside the public system (private hospital, faster specialist access, overseas treatment.
Mortgage Protection
Paying off or reducing the mortgage, so recovery isn't complicated by loan repayments.
Family & dependents' Funding
Covering dependents and children's living, education costs so treatment can take priority for families.
Housing
Funding home modifications if the illness leaves lasting mobility or care needs (ramps, bathroom modifications, stairlifts)
Income Replacement & Living Cost
Bridging household expenses while working reduced hours or not at all during treatment. Covering everyday bills so savings and super aren't drawn down.
Retirement & asset protection
Protecting superannuation balances and avoiding forced sale of assets at the wrong time — useful for pre-retiree clients
Who Should Have Active Cover?
Trauma insurance is essential for anyone whose family depends on their income. Here are the most common groups we help:
Families With Mortgages
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Homeowners with dependants
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Couples with shared mortgages
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Parents of young children
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Multi-income households
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Young Professionals
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Early-career professionals
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New parents
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First-time homebuyers
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Couples planning families
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Business Owners
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Sole traders
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Business partners
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Directors with staffs
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Practice owners
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How Much Does Active Cover Cost?
Active cover premiums vary based on several factors. On average, Hippo Wealth customers pay $35-$85/month for $1M in cover, but your actual cost depends on your individual circumstances.
Your Age
Younger applicants typically pay lower premiums than older applicants.
Health History
Pre-existing conditions may affect your premium or eligibility.
Smoker Status
Smokers typically pay 2-3x higher premiums than non-smokers.
Cover Amount
Higher coverage amounts mean higher monthly premiums.
Occupation
High-risk occupations may have higher premiums.
Gender
Female generally pay lower premium than male applicants.
3 Easy Steps To Get Covered
Compare
We compare Trauma policies across Australia’s leading insurers, tailored for medical and dental professionals. You receive a clear, side-by-side summary of cover, definitions, exclusions, and premiums; all in plain language. This is general advice: you see the full market, not a single recommendation.
Confirm
You review your options and choose the level of cover that suits your needs — from protecting your family to clearing debt.
We’re here to answer questions, but the decision is entirely yours. No obligation to proceed.
Complete
Once you’ve selected your cover, we manage the full application process — including underwriting, medical disclosures, and policy setup. We handle the details, keep you informed, and ensure your cover is active when you’re ready.