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About Trauma insurance

How it works

  • Trauma Cover is designed to help you if you are diagnosed with one of the defined trauma conditions which cause a significant setback to your health
  • 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’re diagnosed with certain serious trauma conditions
  • Accommodation benefit – helps cover the accommodation costs of an immediate family member who needs to stay nearby if you are terminally ill and confined to bed a long way from home
  • Financial Planning benefit – pays up to $5,000 to help cover the costs of financial advice
  • Loyalty Bonus benefit – once cover is held for five years, we automatically increase payments of the Trauma benefit by 5%
  • Automatic indexation – automatically increases Trauma Cover each year to help keep pace with inflation
  • Trauma Reinstatement – automatically reinstates Trauma Cover if we pay a Trauma Cover claim
  • Interim Accident cover – for accidents while we’re considering your application


Learn more

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

  • Trauma Reinstatement Booster benefit – an enhanced Trauma Reinstatement benefit that allows you to claim for extra Trauma Cover conditions under the reinstated cover
  • Trauma Plus Cover – a partial benefit is paid for an additional 14 trauma conditions including early-stage melanoma
  • Plan Protection – in some circumstances, you don’t pay premiums while you are totally and temporarily disabled for three months or more
  • Guaranteed Insurability (personal events) – lets you increase Trauma Cover without providing more health information if you experience certain personal events
  • 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 (Sydney time) business days



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Related products

Income protection

Income protection generally pays up to 75% of your income when you’re unable to perform all or part of your occupation due to sickness or injury. It can also pay up to 100% of your super to your nominated fund.

Learn more

Life Care

This cover provides a lump sum payment to your beneficiaries in the event of terminal illness that leaves you with fewer than 24 months to live.

Learn more

Total and Permanent Disability

This cover pays a lump sum of up to $5 million if you’re totally and permanently disabled.

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.

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

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As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy.