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Total Care Plan (TCP) is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options and obtain replacement policies. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection.

Trauma Cover provides a lump sum of up to $2 million in the event that your client suffers from a specified medical condition or event, regardless of whether they are prevented from working or not. It pays out a benefit not because they are going to die, but because they are going to live.

Trauma Cover gives your clients the opportunity to create real options in a traumatic time.  It can make a contribution towards financial survival by providing a benefit payment which your client may use to address a financial shortfall resulting from a period of serious illness.

Trauma Cover is available as a stand-alone policy or combined with Life Care, TPD Cover or Child Cover.

Trauma Cover is not available for policies held inside super.

Important information regarding the PDS

Trauma cover conditions have specific meanings and a benefit is only payable if your client meets 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.

Trauma Cover features and benefits


At a glance

  • Trauma Cover limits: 
    • Minimum: $10,000 
    • Maximum: $2 million (If Trauma Cover is a rider to Life Care, it can't exceed the amount of Life Care)
  • Stepped premium type:
    • Minimum entry age 15
    • Maximum entry age 65
  • Level premium type:
    • Minimum entry age 17
    • Maximum entry age 54
  • Cover expiry date will be the policy anniversary date before the insured’s 80th birthday. However, from the policy anniversary date before your client turns 70, cover is only for loss of independent existence.


Key benefits

  • Severe Hardship Booster benefit: we double the lump sum paid (up to $250,000) if the life insured suffers trauma from certain serious trauma conditions as defined in the PDS
  • Loyalty Bonus benefit: if your client keeps their Life Care cover for over five years, we will automatically increase the payment of a Trauma Cover benefit by 5 per cent at no extra cost
  • Trauma Reinstatement benefit: we automatically reinstate Trauma Cover on the last day of the buy back period after a Trauma claim.
  • Financial Planning benefit: we pay up to $5,000 to help cover the costs of seeking financial advice if we pay a Trauma Cover benefit
  • Accommodation benefit: we help cover the accommodation costs of an immediate family member who needs to stay nearby if the insured is terminally ill and confined to a bed a long way from home.


Download the PDS for full list of benefits >


When is a benefit paid?

We pay out a one-off lump sum of up to $2 million if your client suffers from a specified medical condition and survives more than 14 days, regardless of whether they are prevented from working or not. For certain medical conditions or events, a partial payment of the benefit will be made.

Please read the definitions in the PDS to fully understand these benefits.


Brian is a 48 year old accountant, who is married with two teenage children. He put in place a financial plan with his financial adviser which included Trauma Cover.

One evening, during 2015, he had to be rushed to hospital with symptoms that were later confirmed to be a stroke. The type and severity of Brian's stroke met the definition for this condition in the CommInsure Protection Product Disclosure Statement (PDS).

CommInsure paid Brian’s $300,000 Trauma benefit which helped cover his hospital costs and other ongoing medical expenses, including intensive rehabilitation to improve his physical and cognitive functioning.

Imagine the financial consequences for Brian and his family if he didn’t have Trauma Cover?

The examples used are for illustrative purposes only