Zurich Life Risk Trauma cover

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1 Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only

2 Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only of the in-built benefits and al extras available in Zurich Protection Plus Trauma cover. Please read the Zurich Wealth Protection PDS for the specific definitions of each covered condition and the terms and conditions, including relevant exclusions. Zurich s Trauma cover will pay a lump sum equal to the Trauma benefit amount if a specified Trauma is suffered. Any stand-alone Trauma cover is not payable unless the life insured survives the occurrence of the specified trauma for 14 days. The maximum total amount of cover with Zurich and other insurers cannot exceed $2,000,000. Basic trauma provides cover for the following list of 12 conditions: benign tumour of the brain or spinal cord chronic kidney failure coronary artery bypass surgery* diplegia heart attack* hemiplegia loss of speech major organ transplant malignant cancer* paraplegia quadriplegia stroke*. * An elimination period applies to these conditions. Refer to the PDS for more information. Extended trauma provides cover for the following list of 42 conditions: advanced diabetes aorta repair aplastic anaemia bacterial meningitis benign tumour of the brain or spinal cord blindness cardiomyopathy chronic kidney failure chronic liver disease chronic lung disease coma coronary artery bypass surgery* deafness dementia (including alzheimer s disease) diplegia encephalitis heart attack* heart valve surgery hemiplegia loss of independence loss of limbs or sight loss of speech major head trauma major organ transplant malignant cancer* medically acquired motor neurone disease multiple sclerosis muscular dystrophy occupationally acquired hepatitis B or C occupationally acquired out of hospital cardiac arrest paraplegia parkinson s disease pneumonectomy primary pulmonary hypertension quadriplegia severe accident or illness requiring intensive care severe burns severe rheumatoid arthritis stroke* triple vessel coronary artery angioplasty. Page 2 of 6

3 In-built benefits Trauma benefit Partial payment benefit (Extended trauma) Choice of Basic trauma cover (12 conditions) or Extended trauma cover (42 conditions). See list on page 2. If Trauma cover is $100,000 or more, up to 10% of the sum insured is payable (to a maximum $25,000) on diagnosis of the following events: carcinoma in situ* diabetes (type 1)* early stage melanoma* facial reconstructive surgery and skin grafting loss of hearing in one ear colostomy or ileostomy* early stage chronic lymphocytic leukaemia* early stage prostate cancer* guillain barre syndrome* single loss of limb or eye minimally invasive cardiac surgery including coronary artery angioplasty* The Trauma cover (and any Death or TPD cover if applicable), will reduce by the amount of the claim. Each of these conditions may only be claimed once with the exception of minimally invasive cardiac surgery including coronary artery angioplasty which may be claimed on more than one occasion. Paralysis booster benefit Funeral benefit The Trauma benefit will be doubled if we pay a Trauma benefit for paralysis (diplegia, hemiplegia, quadriplegia or paraplegia), to a maximum of $2,000,000. If Death cover is not selected, Zurich will pay a Funeral benefit of $5,000 if the life insured dies during the term of the policy a Trauma benefit is not payable. Optional extras (for additional premium) Premium waiver Accidental death Living activities TPD Business future cover Needlestick cover Insured child Trauma reinstatement (Extended trauma) Double trauma (Extended trauma) Top-up (Extended trauma) Accelerated buy back death Premiums will be waived for a life insured who is totally disabled prior to age 70. A nominated benefit amount is paid on accidental death prior to age 75. Cover is available from $50,000 to $1,000,000. A nominated lump sum amount is paid on the life insured s inability to perform at least two activities of daily living, cognitive impairment or specific loss. If the policy is for business insurance purposes, the policy owner can increase the sum insured annually in line with changes in the value of the business or key person, without any further assessment of health. For the exposure prone occupation (eg. doctor, nurse, pathologist), a lump sum (from $50,000 to $1,000,000) is paid on contraction of, hep B or hep C which is occupationally acquired. Covers each insured child for death, terminal illness and 18 specified trauma events. Includes a carer benefit for parents who stop work to care for a seriously ill or injured child and can convert to a stand alone policy on the policy anniversary after the child s 18th birthday. Trauma cover can be reinstated 12 months after payment of a Trauma claim, for conditions not related to the original claim. Death cover is reinstated 14 days after a Trauma claim. All future premiums for the reinstated cover are waived until the policy expiry date. The amount of Trauma sum insured payable under the Partial trauma benefit is increased to 25 per cent of the Trauma cover sum insured, up to $200,000 ($50,000 for angioplasty). Only available if the Trauma cover is $100,000 or more. Death cover is fully reinstated 12 months after payment of Trauma benefit. Page 3 of 6

4 Mandatory medical underwriting requirements TRAUMA Sum Insured Trauma Age next birthday Up to up to $500,000 $500,001 $1,000,000 EE $1,000,001 $1,500,000 EE $1,500,001 $2,000,000 ME* PMAR * To be completed by GP or specialist. ^ Medical examination to include a breast examination for female applicants Exercise ECG MSU PMAR PSA (males) Exercise ECG Mandatory financial underwriting requirements Financial requirements are based on the total cover held with Zurich and any other insurer for all types of cover applied for. Trauma Sum insured Personal cover Business cover up to $1,500,000 $1,500,001 $2,000,000 Last 2 years PITRs and BETRs Last 2 years business financial statements (Note that business financials only required if applicable) For a full list of acronyms please refer to our Adviser Guide. Page 4 of 6

5 Interim cover Inflation protection Future insurability Financial planning advice Premium freeze Premium holiday In-built provisions While Zurich is assessing the application, interim accident cover is provided for up to 90 days. Interim cover provides a benefit if the life insured suffers limited specified conditions as a result of injury and survives 14 days. Zurich will offer to index the cover each year by the greater of the CPI and 5 per cent. On specified occasions related to personal circumstances such as marriage or the birth of a child, cover may be increased within guidelines, without further assessment of health. Zurich will reimburse up to $3,000 toward the cost of financial planning advice, with sufficient proof, after a benefit has been paid. Premiums may be frozen, in which case the same premium will continue to be payable but the level of cover will be reduced annually. Allows a 3, 6, 9 or 12 month break in cover (maximum 12 months over the life of the policy). Product parameters Entry age: Cease age: 75 (99 if Extended trauma is packaged with Death cover; limited conditions apply from age 75) Exclusions A claim will not be paid under the policy for an insured event resulting from attempted suicide or self-inflicted injury No benefit is payable for certain covered conditions if they arise in the first 90 days after cover is applied for, increased or is reinstated (including after a premium holiday) No cover is provided for any insured event apparent or occurring during a premium holiday No funeral benefit will be paid for suicide within 13 months of the benefit start date. Exclusions apply to some of the al extra benefits. Refer to the PDS for more details. Page 5 of 6

6 For more information please contact your risk specialist Business Development Manager on This publication is dated 21 December 2015 and does not take into account your personal objectives, financial situation or needs. Therefore you should consider these factors, the appropriateness of the information provided, and the Zurich Wealth Protection Product Disclosure Statement (PDS) (available on or by calling us on ) before making a decision. The information in this publication is a summary only and there are relevant exclusions and conditions. Zurich Australia Limited ABN AFSLN is the issuer of Zurich Protection Plus. ZU V9 12/15 - MMEA Zurich Australia Limited ABN , AFSLN Blue Street North Sydney NSW 2060 Zurich Customer Care: Page 6 of 6

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