Individual Personal Accident & Sickness summary of benefits

Weekly Benefit for Accidental Injury

Provides cover for Your weekly Salary if You suffer an Accidental Injury that within twelve (12) months directly results in You being temporarily disabled and unable to attend Your Occupation.

There are a few Terms and Conditions that apply and in addition to the General Exclusions we will not pay for claims resulting from childbirth or pregnancy apart from any unexpected and unforeseen medical complications or emergencies.

This is a general summary only and does not form part of the Policy and cannot be relied on as a full description of the cover provided.

Please refer to the relevant sections of the Policy and Your Policy Schedule for full benefit details and applicable terms, limitations, conditions and exclusions.

Weekly Benefit for Sickness

Provides cover for Your weekly Salary if You suffer a Sickness that directly results in You being temporarily disabled and unable to attend Your Occupation.

There are a few Terms and Conditions that apply and in addition to the General Exclusions we will not pay for claims resulting from childbirth or pregnancy apart from any unexpected and unforeseen medical complications or emergencies.

This is a general summary only and does not form part of the Policy and cannot be relied on as a full description of the cover provided.

Please refer to the relevant sections of the Policy and Your Policy Schedule for full benefit details and applicable terms, limitations, conditions and exclusions.

Lump Sum Benefits

Provides a lump sum payment due to an Accidental Injury that within twelve (12) months results in one (1) or more of the specified Events. See the PDS, Section 6 | Lump Sum Benefits, to review the Events along with corresponding percentage of the lump sum amount payable for each Event.

This is a general summary only and does not form part of the Policy and cannot be relied on as a full description of the cover provided.

Please refer to the relevant sections of the Policy and Your Policy Schedule for full benefit details and applicable terms, limitations, conditions and exclusions.

Funeral Benefit – Benefit Limit up to $10,000

Provides for the reimbursement of reasonable funeral, burial or cremation and associated expenses or returning Your body or ashes to a nominated place following Your Accidental Death.

This is a general summary only and does not form part of the Policy and cannot be relied on as a full description of the cover provided.

Please refer to the relevant sections of the Policy and Your Policy Schedule for full benefit details and applicable terms, limitations, conditions and exclusions.

Lifestyle Protection Benefits

A. Commuting to Work Benefit – Benefit Limit up to $2,000

Provides for the reimbursement of reasonable costs necessarily incurred for the hire of a suitable chauffeured vehicle or taxi to transport You between Your normal place of residence and normal place of work where this is required to return to Your Occupation in a reduced capacity.

Note that medical evidence from a Doctor certifying You are unable to operate a motor vehicle or travel on other available modes of public transport is required.

B. Domestic Support Benefit – Benefit Limit up to $2,000

Provides for the reimbursement of reasonable costs necessarily incurred for arranging a provider to do ordinary day to day domestic activities and other light household duties where a payment is being or is paid under Section 1 – Weekly Benefit for Accidental Injury, Section 2 – Weekly Benefit for Sickness or Section 6 – Lump Sum Benefits, Events 2 to 8.

Note that medical evidence from a Doctor certifying that completing day to day domestic activities will impact Your recovery is required and the activities must be carried out by persons who are not Your relative, spouse or partner, or someone permanently living with You.

C. Out of Pocket Expenses Benefit – Benefit Limit up to $1,000

Provides for the reimbursement of unexpected costs for medical aids, local transportation (other than ambulance) to seek medical treatment, and other non-medical expenses such as clothing and non-medical equipment because of You suffering an Accidental Injury.

D. Unexpired Membership Benefit – Benefit Limit up to $2,000

Provides for pro-rata reimbursement of the unusable period of sport or gym activity membership, association or registration fees due to due to suffering an Accidental Injury or Sickness and are receiving a payment under Section 1 – Weekly Benefit for Accidental Injury, Section 2 – Weekly Benefit for Sickness or Events 1 to 8 of Section 3- Lump Sum Benefits.

Note that medical evidence from a Doctor certifying that You are unable to continue participation in any sport or gym activity is required.

This is a general summary only and does not form part of the Policy and cannot be relied on as a full description of the cover provided.

Please refer to the relevant sections of the Policy and Your Policy Schedule for full benefit details and applicable terms, limitations, conditions and exclusions.

Family Protection Benefits

A. Transport & Accommodation – Benefit Limit up to $2,500

Provides for the reimbursement of reasonable and necessary transport and/or accommodation costs incurred by Your Spouse/Partner and/or Dependent Children to visit You as an in-patient at a hospital which is more than one hundred (100) kilometres from Your normal place of residence.

B. Dependent Children Care – Benefit Limit up to $2,500

Provides for the reimbursement of additional reasonable and necessary costs (that wouldn’t have otherwise been incurred) for the services of a registered childcare provider to look after Your Dependent Children whilst You are receiving a benefit under Section 1 – Weekly Benefit for Accidental Injury or Section 2 – Weekly Benefit for Sickness or a benefit is paid under Section 6 – Lump Sum Benefits for Events 2 to 8.

Note that medical evidence from a Doctor certifying that You are unable to care for Your Dependent Children is required and the childcare must be carried out by persons who are not Your relative or permanently living with You.

C. Dependent Children / Orphan Benefit – Benefit Limit $5,000 per Dependent Child, $15,000 per family

Provides a lump sum payment due to You suffering an Accidental Death and You are survived by Dependent Children. The payment will be doubled if both You and Your Spouse/Partner suffer an Accidental Death resulting from the same accident.

This is a general summary only and does not form part of the Policy and cannot be relied on as a full description of the cover provided.

Please refer to the relevant sections of the Policy and Your Policy Schedule for full benefit details and applicable terms, limitations, conditions and exclusions.