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accessing your insurance



Some insurances can be helpful in covering the cost of treatment or living expenses. This information covers accessing health insurance, life insurance, income protection, trauma insurance, and travel insurance.

health insurance

If you’re a parent of a child with cancer, and they’re listed on your health insurance policy, advise your fund as soon as possible after that diagnosis and ask how they can help.


If you’re a young person with cancer and you have private health insurance, discuss your treatment plan with your insurer (before treatment starts, if possible) and find out about your level of cover. If you don’t have cover, you can join a health fund at any time. Health funds in Australia are not allowed to refuse membership or charge higher prices to people because of their health status or claims history.


If you buy health insurance after you have been diagnosed with cancer they will most likely impose a waiting period for a pre-existing illness, but once this period has passed, you can make a claim. You may also want to compare cover between health funds. is a good place to compare health insurers and answer questions about private health insurance.

life insurance and palliative care

If you’re a young person in palliative care with life insurance, you’ll either be covered through your superannuation fund or through a “stand alone” policy. You can apply to access it either directly through your super fund or through your insurance company.


Our Redkite support team are here for you, and your family, as you go through these conversations. Contact us on 1800 REDKITE (1800 733 548) or

income protection insurance

Income protection insurance is a monthly payment of up to 75% of your income. If you’re a young person who has income protection insurance, it covers you for accidents, illnesses or major traumas. Some super funds and life insurance policies include income protection insurance, so it’s a good idea to check even if you don’t think you're covered.


After a waiting period, income protection insurance pays you up until you return to work. If you can't return to work, it can pay up until the retirement age of 65 (depending on your occupation and the benefit period for your policy).


Income protection insurance is tax deductible. It’s designed to make sure you can continue to meet your day-to-day expenses until you return to work. It is especially suitable for self-employed people, small business owners or professionals whose business relies heavily on their ability to work.


To access  income protection insurance you’ll need to apply to the insurance company or super fund directly. Our support team can also help you with this. Contact us on 1800 REDKITE (1800 733 548) or

trauma insurance

Trauma insurance pays a lump sum if you're diagnosed with a specific illness. Depending on the insurer, this can cover up to 45 major illnesses including cancer.


If you’re a young person with cancer and you have trauma insurance, you can apply to access it directly with your insurance company.


If you’re a parent with your own trauma insurance, check with your fund to see if your child is covered. In most cases, children’s trauma insurance can’t be purchased as a separate policy, but is generally offered as an option if you buy adult trauma insurance. Some adult trauma policies also offer up to $10,000 in child cover as a premium-free benefit. As with other forms of insurance, pre-existing conditions are excluded.


Our support team can help you find out about trauma insurance. Contact us on 1800 REDKITE (1800 733 548) or

travel insurance

Travel insurance can be important for people who have cancer or who have had cancer. Travel insurance plans include basic plans covering lost luggage, theft and cancelled flights, as well as broader plans that also cover overseas medical expenses, loss of income due to injury or illness, and death or disability cover.


Travel insurance is often difficult to buy if you're already diagnosed. As with all insurance, we recommend that you compare prices and levels of cover as terms and conditions will vary depending on your diagnosis and the insurer's guidelines. An insurance broker will be able to help with this.


Whether you’re a young person planning to travel, or a parent looking for travel insurance for your child, start looking at options well before you leave - preferably as soon as you book your travel. It’s important to know if and how a cancer diagnosis will affect your coverage, so you can make an informed decision about whether to travel. 


Our Redkite support team are here for you, and your family, as we can help you in exploring your travel insurance options. Contact us on 1800 REDKITE (1800 733 548) or