Unlike income protection, trauma cover doesn't depend on whether you can work or not. To qualify you simply have to survive 14 days after suffering a major illness like heart attack, stroke or cancer. This kind of insurance is also known as Living Assurance, Critical Illness Cover or Serious Care.
Trauma cover pays a cash lump sum if you suffer from a predetermined health condition and survive 14 days.
The three biggest conditions people claim for are heart attack, stroke and cancer, but most insurers cover a broad range of events.
I can advise you on the best cover for your needs.