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About Trauma insurance

How it works

  • This cover can help with medical costs and also help to lessen lifestyle changes that result from any of 68 illnesses or injuries, including heart attack, stroke, cancer or blindness
  • Purchase this cover on its own, or combined with Life Care or Total and Permanent Disability (TPD)

Also includes:

  • Severe Hardship Booster benefit – pays a higher Trauma Cover benefit if you suffer specific conditions
  • Accommodation benefit – covers accommodation cost to keep a family member near you if you’re confined to a bed away from home
  • Financial Planning benefit – covers the cost of financial planning following a Trauma claim payment
  • Interim Accident cover – for accidents while we’re processing your application
  • Loyalty Bonus benefit – a five per cent higher Trauma benefit after you’ve had a policy for five years
  • Indexed benefit – increases cover each year in line with inflation
  • Trauma Buy Back benefit – automatically reinstates Trauma Cover 12 months after a claim is paid.

Learn more

For added security, you can take out additional extras. These include:

  • Child Cover – provides financial help to families if your insured child suffers a specified child trauma condition or passes away. This cover will sit alongside Life Care and/or Trauma cover. It can help provide peace of mind as it can pay a lump sum of up to $250,000 if your child dies or suffers one of 37 specified child trauma conditions. 

Trauma cover conditions have specific meanings and a benefit is only payable if you meet the precise meaning of the definition as set out in the CommInsure Protection Product Disclosure Statement (PDS).

You must read the entire PDS including the medical definitions section of that document.

Customise your insurance

Talk to your financial planner to ensure your insurance meets all your needs and discuss customising your insurance to suit you.

If you don’t have a financial planner, you can talk to one of ours.

  • Make an appointment for a complimentary, no-obligation meeting with a professional financial planner
  • Call 1300 131 103, 8am to 7pm (AEST) business days



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Related products

Income protection

Our income protection policies can replace up to 75 per cent of your regular income and superannuation contributions if you're unable to work due to illness or injury.

Learn more

Life Care

Provides your beneficiaries with a lump-sum payment in the event of your death or on diagnosis of a terminal illness with less than 12 months to live.

Learn more

Total and Permanent Disability

Provides a lump sum to use at your discretion if you're unable to work for at least three months due to illness or injury. Includes a range of benefits to help make life easier.

Learn more

Important information

Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable.
This advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs. Before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters.

Income ProtectionLifeBusiness OverheadsTotal and Permanent Disability (TPD) and Trauma form part of CommInsure Protection. CommInsure Protection is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 (CMLA).

CMLA and the Trustee are wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or the Trustee or the products they offer.

A Product Disclosure Statement (PDS) describing CommInsure Protection is available online, from your Commonwealth Financial Planner or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered in making any decision about these products.

Commonwealth Financial Planners are representatives or authorised representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.