Most Australian trauma policies offer one or more reinstatement options that let you restore cover after a claim, subject to specific conditions. Two common types: (1) Partial benefit reinstatement — after a partial claim (e.g. early-stage cancer at 25%), the original full sum can be restored after a defined waiting period (commonly 12 months) without new medical underwriting; (2) Full benefit reinstatement — after a full benefit claim, some products allow a reduced reinstated cover (often 50% or 75% of the original) for unrelated future events, again typically with a 12-month waiting period and excluding the same condition or related conditions. The reinstatement triggers, waiting periods, eligible conditions, and number of times the option can be exercised vary materially across the panel — some insurers offer multiple reinstatements, others only one. Reinstatement options are particularly valuable because the cost of taking out new trauma cover after a serious diagnosis is typically prohibitive (you'd face a premium loading or outright decline). The reinstatement clause locks in continued cover at the original underwritten terms. Check the PDS section labelled 'reinstatement', 'buy-back', or 'restoration' for the specific terms applying to your policy, and discuss which conditions trigger each option with your adviser at quote time.