Recovery (Trauma) Insurance
Protecting you if you become critically ill or injured.
TAL CoverBuilder
Get a quick quote online in less than 5 minutes
GET A QUOTE How to use TAL CoverBuilderKey features
- You can apply if you're between 18-59 years old
- Cover available from $100K - $500K
- Lump Sum Payment if you are diagnosed with a covered illness or injury
- No medical tests required on application
- Bundle with your Life Insurance for lower premiums
What is Recovery (Trauma) Insurance?
Recovery Insurance gives you financial freedom if you become critically ill or injured and require extensive medical treatment to recover your health.
A lump sum payment from your Recovery Insurance policy gives you the financial security in the worst of times.
It allows you the financial freedom to access the best medical treatment available, pay for your rehabilitation, and cut back on your work hours to concentrate on your recovery.

What am I covered for under Recovery (Trauma) Insurance?
You can tailor your cover to suit your individual needs. Your choice of cover will impact the types of events you can claim against.
You can choose all three types of cover, or two or just one. It's up to you.
Critical Injury Cover
You receive a lump sum payment to help you pay for support and treatment if you get a serious injury as a result of an Accident.
What you're covered for:
Critical Illness Cover
You receive a lump sum payment so you can afford medical treatment if you’re diagnosed with a serious medical condition or illness.
What you're covered for:
Cancer Cover
You receive a lump sum payment so you can afford medical treatment if you’re diagnosed with a covered cancer.
What you're covered for:
What important details do I need to know?
How much will it cost?
At TAL, we understand that everyone is unique, so naturally your insurance should be too. That's why we've created TAL CoverBuilder to allow you to build your cover, your way.
With Coverbuilder you can choose your insurance and your cover, tailor your cover amount and select the options that best suit you.
Why choose TAL as your Recovery Insurance provider?



What other benefits does Recovery Insurance include?
Claims at TAL
Every claim we pay is a promise kept
In our 2019/20 Financial Year, we paid $2.5 billion in claims to more than 35,000 Australians and their families. That’s equivalent to over $46 million a week.
People often think claims are all about payments to families when a loved one passes away. And of course, that's part of what we do. But 65% of all the claims we paid last year were to help customers keep living the lives they love, after an accident or illness.
Your guide to making a claim
When things go wrong with your health, or the health of a loved one, you may find yourself doing many things for the first time. It’s sometimes tricky to know where to start and it can feel overwhelming. We’re here to support you to make your claim as easy as possible.
If you need to make a claim with TAL, you’ll be assigned a dedicated claims consultant. They’re there to understand your situation and what they can do to support you when making a claim.
What other insurance can I include in my TAL Lifetime Protection Plan?
Life Insurance
Protects your family’s future and gives them options if you are no longer around.
Total Permanent Disability Insurance
Gives you options to help you live a better quality of life if you are permanently disabled and can’t work.
Income Protection Insurance
Provides you with an income to help you continue living your life if you have an injury or illness and can’t work.