The idea behind Trauma Insurance is to allow you to pay for the cost for treatment of a serious illness.
As this article from the Newcastle Herald explains, Ben has to travel to Japan for treatment... http://www.theherald.com.au/story/4878839/ben-on-wing-and-a-prayer/
Trauma Insurance would pay for this cost without the need of financial stress or needing to set up a "Go Fund Me" page.
These are just a couple of headings in the newspaper headlines lately, describing the cost of treatments:
"How Fighting Cancer has Cost My Life Savings"
"Price of Life is $120,000"
"Cure for MS you can't get in Australia"