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Picture Book · Insurance

Trauma cover: a lump sum to recover

Story pages

A woman in her late forties jogging along a riverside path at sunrise with city towers in the distance
Meet Helen. She's 48, fit and busy, and never expects to get sick.
The same woman sitting calmly in a bright clinic waiting room holding a cup of water
Trauma insurance, also called critical illness cover, pays a lump sum if you suffer a listed critical illness or serious injury.
A woman resting at home on a couch wrapped in a soft blanket
That can include cancer, a heart condition, a major head injury or a stroke. Each insurer's list and definitions differ.
A woman doing gentle physiotherapy exercises with a therapist in a sunny room
The money can help with medical bills, living costs, therapy, home changes or paying down debt while you recover.
A woman talking with an adviser across a round table in a calm office with plants
Super funds no longer offer new trauma policies, so it's bought through an adviser, broker or directly from an insurer.
The woman back on the riverside path walking with a friend in the late afternoon
Trauma cover doesn't cover mental health conditions. Check the PDS for what's included and excluded.

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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