Trauma Reinstatement

Trauma Reinstatement can be a great way you maintain your trauma or critical illness cover even after a claim is paid as it allows you to re-purchase your trauma cover.

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How does Reinstatement work?

The reinstatement option is available in both stand alone and combined policies. If a full trauma claim is paid, you can re-purchase your trauma cover, giving you your full level of trauma cover back.

The option will need to be purchased at the time of your policy application.

When can the reinstatement option be used?

You can generally  use the reinstatement option 12 months after your trauma claim was made, however select insurers may offer this 6 months after your claim. If you do decide to use it, in most cases it will need to be used within 30 days of the anniversary of your claim.

What does Trauma Reinstatement Cover?

Reinstated trauma will provide cover for all critical illnesses covered in the policy except for the critical illness that resulted in the previous claim being made.

For e.g. if you received a pay out for cancer, the reinstated cover will generally not cover you for cancer or any related conditions.

Case Study

Trauma Insurance CoverPremium (monthly)
Initial Policy$500,000$79.34
Claim Paid($500,000)-
Cover available 12 months post claim$0.00$79.34
Cover available 13 months after Claim$500,000$79.34

Please note that this is an example only and is not indicative of actual premiums or cover available.

Jonathan is a 40 year old software engineer who decides to take out a Trauma Insurance policy with the Reinstatement Option.

Several years after taking out his policy, Jonathan is diagnosed with cancer and is forced to take an extended break from work as he seeks treatment via chemotherapy and surgery.

As his form of cancer is covered by his policy, Jonathan receives a lump sum payout which helps cover his medical expenses, mortgage and day to day living expenses.

12 months after his claim, Jonathan decided to use his reinstatement option, providing him with his full amount of trauma cover.

Published: April 11, 2017
  • Life Cover Buy Back

    Retain your full life insurance cover in the event of a full trauma claim by taking out the Life Cover Buy Back policy option! Available in combined life insurance policies

  • Double Trauma

    Utilise the Double Trauma policy option and reclaim your life insurance benefit after a full trauma claim is made. Reinstated portion will be premium free!

Ask an Expert?


  • John Wells |

    If Trauma policy is a Level premium and 10 years into policy there is a claim when policy is reinstated using reinstatement benefit, what premium rates are used? The original level premium rates or premium rates at the current age?

      Russell |

      Thank you for your detailed question on the Trauma Insurance reinstatement benefit. While we are not aware of the particular insurer that you are with what we have found is that generally the premium rate that will apply when this option is exercised is going to be the rate at the current age when the reinstatement occurs.
      It is also important to consider that the reinstated cover will generally exclude all related conditions that the original claim was for & if there were any other limitations or conditions that applied to the original policy these generally will still apply.