After a partial trauma claim is paid, your trauma cover usually continues at a reduced sum insured (the original amount minus the partial payment). For example, if you had $400,000 trauma cover and received a $40,000 partial benefit for early-stage melanoma, your remaining cover is $360,000 and continues to apply to all other covered conditions. Premiums after a partial claim may be recalculated based on the reduced cover. Some products offer a Buy-back or Reinstatement option that lets you restore the cover to its original amount, usually subject to a waiting period (commonly 12 months from the partial claim) and a small premium loading. The Buy-back option doesn't require new medical underwriting if exercised within the policy's specified window — this is a valuable feature for clients who want to maintain full cover after a partial claim. Each insurer's PDS describes the buy-back conditions, eligible conditions, and any cap on how many times the buy-back can be exercised. If a full trauma benefit is paid (a 100% payout), the trauma cover usually ends entirely; some products offer a partial reinstatement option even in this case. Discuss buy-back features with a licensed adviser when choosing a product if maintaining cover after a claim is important to you.