Power transformer standards specify short circuit with stand capability with respect to a L-L or L-G fault on secondary of transformer ie for the fault current through the trf as limited by trf impedance+ primary system impedance.System impedance will be very ,very low compared to trf impedance esp in well interconnected high voltage system.If a trf fail to with stand such a fault current,windings mechanically fail followed by electrical failure.
But if a mechanical(followed by electrical) failure occurs in the primary connections to winding( getting shorted to earth)or in the early part of the primary winding ,there will be no trf impedance to limit the fault current ,and the current will be several times more than the current due to an external fault .Naturally the failure consequences will be severe and devastating.
I have seen some customers insist for higher with stand capability for primary bushing and inside primary connections(same fault levels as of primary system).Personally I believe there is not much sense in it.