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  • Trauma Cover & Children’s Cover

    Comprehensive protection for you and your family

  • Trauma Cover

    In the event of the unexpected, your family needs financial security so you can focus on getting better.

    If you suffer one of 45 major health traumas, Avant’s Trauma Cover will provide you with the financial resources you need to make lifestyle or career adjustments to help you recover.

    Things to consider when taking out Trauma Cover


    • Up to $2 million of cover if you suffer one of 45 major health traumas
    • 25% partial benefits up to $200,000 of cover if you suffer from one of 15 partial trauma events such as angioplasty and carcinoma in-situ.
    • Full cover for the loss of a single limb or use of a single limb.
    • Full benefit payable on diagnosis of certain non-curable degenerative conditions.


    • Larger cover increases, more often and without the need for medical tests. Increase your cover by up to 25% every year for things such as starting an internship or training program, becoming a fellow, a partner or starting a practice, having children, or taking out a mortgage.
    • Your full cover is reinstated six months after a claim on a linked plan for trauma or TPD.
    • You’re covered for longer – receive full benefit up to age 70.
    • World Wide Cover – Your Trauma Cover plan will cover you 24 hours a day, anywhere in the world.

    Simple options

    • Choose the cover you need between $50,000 and up to $2 million.
    • Your choice of stepped or level premiums
    • A range of ownership options to suit your circumstances including self-ownership, ownership by partners in your practice, another individual, a company or trust.
    • You have the choice to link your cover to Life and TPD Cover or purchase as standalone cover.


    To be eligible for Trauma Cover, at the time of application you must be:

    • an Australian resident
    • 20 to 60 years old
    • a registered medical practitioner.
  • Children’s Cover

    If your child suffers a serious illness, injury or major health trauma, Avant’s Children’s Cover will provide you with the financial resources to ensure you or a family member can be there to care for your child and still contribute towards the cost of their treatment.

    Things to consider when taking out Children's cover


    • A benefit of up to $5,000 per month per child if your child is confined to a bed for more than seven days.
    • Up to $200,000 of cover if your child suffers from one of 36 major health traumas.
    • A benefit of up to 25% of your sum insured for one of 13 partial trauma events.
    • A lump sum payment upon the death of your child or the diagnosis of a terminal illness


    • Cover is available to parents, grandparents and legal guardians who are doctors and who own any plan in Avant’s Life Insurance portfolio.
    • Available for children 2 to 16 years of age with coverage to age 21
    • Can be purchased by doctors who are parents, grandparents or guardians
    • Cover 24 hours a day no matter where in the world your children are
    • Your children’s cover will keep pace with inflation through an annual increase
    • Upgrade guarantee – You won’t miss out on future enhancements to Avant’s Children’s Cover simply because you chose to protect your family sooner rather than later.

    Simple options

    • Choose any lump sum amount between $50,000 and $200,000
    • Option for your child to convert to Avant’s Life and/or Trauma plan upon their 21st birthday


    To be eligible for Children’s Cover, the insured child must be:

    • the child, grandchild or ward of an adult insured by, or the plan owner of, another Avant Life Insurance plan
    • between 2 and 16 years old.
  • Calculate your insurance needs now >>

  • For full terms, conditions, limitations and eligibility please refer to the Avant Trauma and Children's Cover Product Disclosure Statement which is also available by calling us on 1800 128 268 or emailing us at avantlife@avant.org.au.  Alternatively, schedule an appointment with one of our advisors.

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