Trauma Insurance is something that takes away the stress in a time when the last thing you should worry about is money.
You should be totally focused on your recovery and this helps you do just that. It pays a lump sum, which is tax free to you and can be readily used to cover;
Rent and other living expenses.
Loss of income for both you and your partner should they have to take time off work to care for you.
Pay of debt such as mortgages and credit card.
Ongoing expenses incurred during your recovery period.