This policy document is here - Commonwealth Bank Injury Cash Protection Policy and Injury Cash Protection Policy Change Summary.
This policy document is here - Commonwealth Bank Accident Protection.
The wording which is specifically relevant is that relating to Daily Bed Confinement benefit (page 18 and 6 of the Injury Cash policy document and page 10 and 20 of the Accident Protection Policy).
I agree with @TheBBG, that it may be appropriate to gain advice from a specialist lawyer and that such lawyers are likely to have significant costs to recoup any benefit, if it is found to be payable. I would suggest that if you do go down the path of speaking to a lawyer, see if you can have a fee free initial consultation whereby you can explain your circumstance and also gain a fee schedule/estimate of fee from them.
It is likely that an estimate is needed to review and provide advice on your circumstances, which could include sending letter of claim to the bank from the lawyer. Additional estimates should also be given for follow up action such as making a claim through a tribunal or court.
Both these can can quite expensive as it is likely that the bank will entertain a process where a number of letters are sent requiring response. Each response and subsequent response will be at your cost.
With a small claim of say $10,000 which you outlined, you have to think whether you pursue the claim as a matter of principle (where costs are not relevant), whether your claim is likely to be successful and financially better than the current offer or whether the amount offered by the Commonwealth Bank is accepted based on the costs of pursing for a more modest amount.
Not withstanding this, it may be worth making a submission into the Financial Services Royal Commission, The link to public submission for an information on how to lodge can be found on this page - Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry Homepage.
This is possibly of an example of a financial institution offering services without the purchaser being fully aware of or understands the limitations associated with the purchased product. I am for one to purchase such products, but the purchase decisions should be made by the purchaser knowing all about the product being sold. The purchaser should also be able to explore alternative products from other providers to see which product best suits ones needs.
The hard sell by many financial institutions, leads to the sale of products to individuals which is either unwanted or unsuitable based on the circumstances. Even going to any bank one is offered "would you like fries with that' type questions from the bank teller, such as 'do you have a home loan', 'do you have house, car or content's insurance' to 'do you need a personal injury insurance'.... Such is possibly driven by banking employee KPIs to achieve bonuses rather than what is in the best interests of the customer.