Product Disclosure Statement Personal Accident Insurance. ASR Underwriting Agencies ABN AFSL

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1 Prduct Disclsure Statement Persnal Accident Insurance ASR Underwriting Agencies ABN AFSL

2 Index PART 1 Prduct Disclsure Statement fr Accident/Illness Insurance Plicy...3 Significant benefits and features...3 Table f Benefits Sectin 1 Capital Benefit...4 Table f Weekly Benefits - Sectin 2 Weekly Benefits - Injury...5 Table f Weekly Benefits - Sectin 3 Weekly Benefits - Illness...5 Imprtant Infrmatin...6 PART 2 Plicy Terms and Cnditins fr Accident/Illness Insurance Plicy...8 Sectin 1 Types f Cver...11 Sectin 1 Capital Benefits...11 Sectin 2 - Weekly Benefits - Injury...11 Sectin 3 - Weekly Benefits - Illness...12 When Yu are nt cvered - General exclusins applying t this Plicy...13 General Cnditins...14 Claims...15 ASR Underwriting Agencies Pty Ltd ABN AFSL Main St Beenleigh Qld 4207 PO Bx 491 Beenleigh Qld 4207 Ph Fax Website Certain Underwriters at Llyds f Lndn Suite 2, Level 21 Angel Place 123 Pitt St Sydney NSW 2000 Ph: Versin: Effective: 22/06/2010 ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 2 f 16

3 PART 1 Prduct Disclsure Statement fr Accident/Illness Insurance Plicy Insurer This plicy is underwritten by Certain Underwriters at Llyd s f Lndn (Insurer/we/us/ur). ASR Underwriting Agencies Pty Ltd (ACN: AFSL: ) (ASR) is an underwriting agency which acts n behalf f the insurer t issue the plicy under a binding authrity. Significant benefits and features The plicy prvides yu with a chice f cver. Yu can chse any cmbinatin, r all, f the fllwing ptinal cvers: Sectin 1 - Capital Benefits This ptin prvides a lump sum payment f up t five times yur grss annual salary if yu suffer ne f the specified cnditins as the result f an injury during the perid f insurance. The Table f Benefits Sectin 1 Capital Benefits utlines what benefits are payable in respect f each cnditin. Where a benefit is payable fr permanent ttal disablement, permanent quadriplegia, permanent paraplegia, r permanent and incurable paralysis f all limbs, the plicy als cvers the cst necessarily incurred by yu in mdifying yur mtr vehicle r hme, r in relcating yu t a suitable hme, t a maximum sum f $10,000. Sectin 2 - Weekly Benefits - Injury This ptin prvides weekly benefits f up t 75% f yur average grss weekly wage where yu suffer permanent partial r ttal disablement as the result f an injury. Where we pay yu weekly benefits fr the same injury fr mre than 52 weeks, we will increase yur weekly benefit each year by the lesser f: (i) 7%; r (ii) the increase in the Cnsumer Price Index (in the State where yu live) cmpared with the previus year. We will als pay fr the csts incurred by yu fr participatin in a return t wrk prgram, up t a maximum f $5000, if we cnsider the prgram reasnable and yur medical practitiner agrees. Sectin 3 Weekly Benefits - Illness This ptin prvides weekly benefits f up t 75% f yur average grss weekly wage where yu suffer permanent partial r ttal disablement as the result f an illness. Where we pay yu weekly benefits fr the same injury fr mre than 52 weeks, we will increase yur weekly benefit each year by the lesser f: (i) 7%; r (ii) the increase in the Cnsumer Price Index (in the State where yu live) cmpared with the previus year. We will als pay fr the csts incurred by yu fr participatin in a return t wrk prgram, up t a maximum f $5000, if we cnsider the prgram reasnable and yur medical practitiner agrees. Waiting Perid A waiting perid applies t weekly benefits f 7 days after medical treatment by a registered medical practitiner. N benefits will be paid until the waiting perid has been served. N benefits are payable if, at the expiratin f the waiting perid, yu are fully recvered. A waiting perid applies t all benefits f 28 days after medical treatment by a registered medical practitiner where the injury was sustained in cnnectin with yur participatin in rganised ftball. N benefits will be paid until the waiting perid has been served. N benefits are payable if, at the expiratin f the waiting perid, yu are fully recvered ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 3 f 16

4 Table f Benefits Sectin 1 Capital Benefit Cnditin Benefit (as a % f the sum insured) Death 100% Permanent Ttal Disablement 100% Permanent Quadriplegia 100% Permanent Paraplegia 100% Permanent and incurable paralysis f all limbs 100% Permanent unsund mind t extent f legal incapacity 100% Permanent ttal lss f sight in ne r bth eyes 100% Permanent ttal lss f hearing in bth ears 100% Permanent ttal lss f the lens f ne eye 50% Permanent ttal lss f hearing in ne ear 50% Permanent Lss f bth hands 100% Permanent Lss f bth arms 100% Permanent Lss f bth feet 100% Permanent Lss f bth legs 100% Permanent Lss f ne hand and ne ft 100% Permanent Lss f ne hand and ne arm 100% Permanent Lss f ne ft r ne leg 100% Permanent Lss f fur fingers and ne thumb 75% Permanent Lss f bth jints f ne thumb 30% Permanent Lss f ne jint f ne thumb 15% Permanent Lss f ne finger 15% Permanent Lss f tw jints f ne finger 10% Permanent Lss f ne jint f ne finger 5% Permanent Lss f all tes n ne ft 15% Permanent Lss f bth jints f ne great te 5% Permanent Lss f ne jint f ne great te 3% Permanent Lss f ne te ther than the great te 1% per te Third degree burns which cver mre than 50% f the entire bdy 40% Lss f at least 50% f all sund and natural teeth, including up t 1% capped r crwned teeth 1% per tth ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 4 f 16

5 Table f Weekly Benefits - Sectin 2 Weekly Benefits - Injury Table f Weekly Benefits - Sectin 3 Weekly Benefits - Illness Cnditin Ttal Disablement Partial Disablement Benefit Up t 75% f yur grss weekly earnings Up t 75% f yur grss weekly earnings The Plicy ffers 24-hur cver fr cnditins resulting frm an accident r illness. At yur ptin, the cver may be reduced t utside wrking hurs. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 5 f 16

6 Imprtant Infrmatin The Plicy des nt cver certain things. Claims may be refused in certain circumstances. Please refer t Part 2 f this PDS fr the full Accident/Illness Insurance Plicy Terms and Cnditins. The Plicy will nt cver yu in the fllwing circumstances: Fr cnditins arising ut f illness in respect f cver under Sectin 2; Fr a cnditin caused by any kind f injury in respect f cver under Sectin 3; Fr any cnditins cnnected t HIV r AIDS in respect f cver under Sectin 3; General Exclusins In respect f all sectins, there is n cver in respect f any cnditin caused by, r arising ut f,: a. war whether declared r nt, invasin r civil war, rebellin r insurrectin; b. the use, existence r escape f nuclear weapns material r inising radiatin frm r cntaminatin by radiactivity frm any nuclear fuel r nuclear waste frm the cmbustin f nuclear fuel; c. any act f terrrism; d. intentinal self injury r suicide r any attempt at suicide; e. flying r ther aerial activity unless as a fare paying passenger n an airline with scheduled flights; f. driving r riding in any kind f race; g. yur criminal r illegal act; h. alchlism r drug addictin; i. participating in r training fr any prfessinal sprt; j. driving a mtr vehicle whilst having a percentage f alchl in yur breath r bld in excess f that permitted by law; k. any injury r illness which yu suffer after the first expiry f this plicy fllwing yur 65th birthday; l. any cnditin related t pregnancy, childbirth r miscarriage; m. any pre-existing medical cnditin; r n. any claim in excess f the sums insured specified n the Plicy Schedule. The cst f this insurance Plicy The ttal premium is the amunt we charge yu fr this insurance plicy. It includes the amunt which we have calculated will cver the risk, and any taxes and gvernment charges. The premium and any taxes and gvernment charges will be shwn n yur plicy schedule. When calculating yur premium we take a range f rating factrs int accunt, including: the ccupatin and duties f any persn cvered by this plicy the sums insured yu chse the age f any persn cvered by this plicy any hazardus pursuits and pastimes f any persn cvered by this plicy Fr detailed infrmatin n payment ptins refer t the sectin headed Hw yu can pay yur premium in Part 2 f the PDS (Plicy Terms and Cnditins). Dispute reslutin ASR has an internal dispute reslutin service and aims t reslve any cmplaints r disputes yu may have regarding this insurance in the first instance. If after discussing the matter with ASR s Cmplaints Officer yu are nt satisfied with the utcme, yu can put yur cmplaint in writing and the Managing Directr f ASR will give further cnsideratin t the matter and prvide a decisin within 15 business days f receipt f the written cmplaint. If the cmplaint relates t a claim, ASR will cnsult us and advise yu f the utcme f their decisin as sn as pssible. In the unlikely event yu are nt satisfied with the way yur cmplaint has been dealt with and it relates t a claim, yu shuld cntact the Cmpliance Manager at: Llyd's Australia Limited Level Pitt Street Sydney NSW 2000 Telephne: (02) Yu will be advised whether yur dispute will be handled by either Llyd's Australia r the Cmplaints Department at Llyd's in Lndn. Yur dispute will be reviewed by a persn with apprpriate authrity t deal with yur dispute. If yu are unsatisfied with the utcme, yu are entitled t take yur cmplaint t the Financial Ombudsman Service which is an independent external dispute reslutin bdy. Access t FOS is free f charge t yu. FOS will review ur decisin in accrdance with their terms f reference. Please nte that ASR and the insurer are bund by the decisin f FOS, but yu are nt and yu can pursue the matter elsewhere if yu wish. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 6 f 16

7 Brchures utlining the peratins f FOS are available frm ASR. Yu can phne FOS frm anywhere in Australia n r btain further infrmatin frm their website at Cling-ff and cancellatin T make sure yu have t time t cnsider whether this insurance meets yur needs, yu have a 21 day cling ff perid frm the date ASR accepts yur applicatin fr the insurance plicy n ur behalf. Yu can cancel the plicy at any time during that 21 day perid and ASR will fully refund the premium yu have paid. The plicy will be treated as if it never existed. Yu cannt exercise yur cling ff rights if yu make a claim under the plicy. If yu cancel the insurance at any time after the cling ff perid, yu must give ASR written ntice. Cancellatin will take effect 28 days after receipt f yur written cancellatin ntice (see the Plicy Terms and Cnditins in Part 2 fr details). There is a full refund f premium fr cancellatin during the cling ff perid (except where yu have made a claim under the plicy). Premium will be refunded n a pr rata basis (less administratin fees) fr cancellatins utside the cling ff perid (see the Plicy Terms and Cnditins in Part 2 fr details). Privacy We are bund by the bligatins f the Privacy Act This sets ut basic standards relating t the cllectin, use, disclsure and handling f persnal infrmatin. Persnal infrmatin is infrmatin r an pinin abut a living individual whse identity is apparent r can reasnably be ascertained frm the infrmatin r pinin. Infrmatin will be btained frm individuals directly where pssible. Smetimes it may be cllected indirectly (e.g. frm yur representatives). Only infrmatin necessary fr the arrangement and administratin f yur insurance will be cllected. This includes infrmatin necessary t accept the risk, t assess a claim, t determine cmpetitive and apprpriate premiums, etc. We and ur agents disclse persnal infrmatin t third parties wh we believe are necessary t assist us in ding the abve. These parties will nly use the persnal infrmatin fr the purpses fr which it is prvided (r if required by law). When yu give us and ur agents persnal infrmatin abut ther individuals, we rely n yu t have made r make them aware that yu will r may prvide their persnal infrmatin t us, the types f third parties it may be prvided t, the relevant purpses it will be used fr, and hw they can access it. If it is sensitive infrmatin we rely n yu t have btained their cnsent n these matters. If yu have nt dne r will nt d either f these things, yu must tell us (r ur agent) befre yu prvide the relevant infrmatin. Yu are entitled t access yur infrmatin if yu wish and request crrectin if required. Yu may als pt ut f receiving materials sent by us by cntacting Llyd s Underwriters General Representative in Australia Level Pitt Street Sydney NSW 2000 Telephne Number: (02) We are cmmitted t prtecting yur privacy. ASR and the insurer use the persnal infrmatin yu prvide us t issue the insurance, administer the plicy and assess claims. We nly share the infrmatin with the insurers, reinsurers and thse we appint t assist us with claims under yur plicy (e.g. medical practitiners, third party claims assessrs). We will nt trade, rent r sell yur infrmatin t thers. If yu d nt prvide us with full infrmatin, we may nt be able t insure yu. Yu can check the persnal infrmatin we hld abut yu at any time. Please direct yur request fr this t ASR Privacy Officer. Fr mre infrmatin abut ASR s Privacy Plicy, please visit ur website at: ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 7 f 16

8 PART 2 Plicy Terms and Cnditins fr Accident/Illness Insurance Plicy Insurer The Plicy is underwritten by Certain Underwriters at Llyd s f Lndn. Our agreement with Yu This Plicy is a legal cntract between Yu and Us. Yu pay Us the premium, and We prvide Yu with the cver Yu have chsen as set ut in the Plicy, ccurring during the Perid f Insurance shwn n Yur Plicy Schedule. The exclusins in the sectin(s) headed When Yu are nt cvered and cnditins in the sectin headed General Cnditins apply t all types f cver. Yur Plicy Yur Plicy cnsists f Part 2 (Terms and Cnditins) f this PDS and the Plicy Schedule We prvide. Please read Yur Plicy carefully, and satisfy yurself that it prvides the cver Yu require. If Yu want mre infrmatin abut any part f Yur Plicy, please ask Us, r Yur brker. The address and telephne number f ASR Underwriting Agencies Pty Ltd is nted in Part 1 f this PDS. Yu shuld keep Yur PDS and Plicy Schedule tgether in a safe and cnvenient place fr future reference. Prviding prf Yu shuld keep dcuments Yu will need in case f a claim fr example, dcuments which substantiate Yur earnings and any medical certificates that relate t Yur claim. Keeping Us up t date Yu must ntify Us immediately if Yu becme aware that Yu are suffering frm any medical cnditin which: is likely t affect Yur ability t wrk; r will lead t a shrtened life expectancy. If Yu fail t ntify Us f these matters, We may cancel Yur Plicy; and/r reduce r refuse t pay a claim. Yu must als ntify Us immediately if Yu take ut similar insurance with anther insurer and the cmbined weekly benefits under this Plicy and that insurance will exceed Yur earnings Please remember We nly cver Yu fr the ccupatin shwn in the Plicy Schedule s Yu shuld ntify Us immediately if there is any change in Yur ccupatin. We will then decide whether t insure Yu fr Yur new ccupatin and if s n what terms. Jurisdictin This Plicy will be gverned and cnstrued in accrdance with the laws f Australia. Yu irrevcably and uncnditinally agree t submit t the nnexclusive jurisdictin f the curts f Australia. Subrgatin We may deny a claim under this Plicy if: We cannt exercise any rights f recvery held by Yu r the Insured Persn t the extent f the claimed amunt; and Yu r any Insured Persn have dne anything that reduces any such rights; and Yu and any Insured Persn d nt prvide reasnable assistance t Us in pursuing any such rights. Paying Yur annual premium Yu must pay Yur annual premium by the due date. If We d nt receive Yur premium by this date r Yur payment is dishnured this Plicy will nt perate and Yu will have n cver. Paying Yur premium by instalments If Yu are paying this Plicy thrugh premium instalments, We will nt pay a claim under this Plicy if, at the time Yu make Yur claim, any instalment r premium has remained unpaid fr 14 days r mre. If any instalment f premium has remained unpaid fr 1 mnth, We may cancel this Plicy. We will send Yu a ntice giving Yu details f the actin We intend t take and when any cancellatin will becme effective. Wrds With Special Meaning Except where therwise specified, the fllwing definitins apply thrughut Part 2 f this PDS and t the Table f Benefits and the table f Weekly Benefits in Part 1 f this PDS. Accident A sudden, unexpected, unusual, specific event which ccurs at an identifiable time and place. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 8 f 16

9 Administratr ASR Underwriting Agencies Pty Ltd. Benefit The amunts stated in the Table f Benefits Sectin 1 Capital Benefits in Part 1 f this PDS fr each type f benefit ffered under Sectin 1 f this Plicy Cnditin A medical cnditin fr which Benefits are payable under this Plicy as listed in the Table f Benefits Sectin 1 Capital Benefits in Part 1 f this PDS. Earnings (a) If Yu are self emplyed r a wrking directr Yur grss weekly incme frm Yur persnal exertin less csts and expenses incurred in deriving that incme averaged ver the 12 mnths prir t Injury r Illness r any shrter perid if Yu have been engaged in Yur ccupatin fr less than 12 mnths. (b) If Yu are an emplyee Yur grss weekly base rate f pay averaged ver the 12 mnths prir t Injury r Illness r any shrter perid if Yu have been emplyed fr less than 12 mnths, excluding vertime payments, bnuses, cmmissin r allwances. Excluded Perid f Claim The cnsecutive number f days f disablement specified in the Plicy Schedule after medical treatment by a registered medical practitiner. Illness Any sickness r disease r degenerative cnditin which first ccurs during the Perid f Insurance. Fr the purpses f Sectin 3 nly, Illness means any sickness r disease r degenerative cnditin which is the abslute, sle and independent cause f Ttal r Partial Disablement and which als ccurs within the Perid f Insurance. Injury In respect f Sectin 1, Injury means an identifiable physical injury which: is caused by an Accident is nt an Illness; and is the abslute, sle and independent cause f a Cnditin and which ccurs within 12 mnths f the physical injury In respect f Sectin 2, Injury means an identifiable physical injury which: is caused by an Accident is nt an Illness; and is the abslute, sle and independent cause f Ttal r Partial Disablement and which ccurs within 12 mnths f the physical injury. Insured Persn Any persn described in the Plicy Schedule as having the benefit f this plicy. Lss In cnnectin with a limb r part f a limb means Physical Severance r permanent lss f use f the limb r part f the limb. Occupatin Yur usual ccupatin, business, trade r prfessin as shwn in the Plicy Schedule. Paraplegia Ttal paralysis f bth legs and part r whle f the lwer half f the bdy. Partial Disablement Yu are permanently r temprarily prevented frm carrying ut a substantial part f all f the nrmal duties f Yur Occupatin. Perid f Insurance The perid shwn in the Plicy Schedule during which Yu are cvered under this Plicy. Permanent Cntinuing fr at least twelve mnths and which thereafter will, in all prbability, cntinue fr life. Permanent Ttal disablement Ttal disablement that entirely prevents Yu frm engaging in any ccupatin whatsever cntinuing fr at least twelve mnths and which thereafter will, in all prbability, cntinue fr life. Physical Severance If it ccurs t a hand r ft, at r abve the wrist r ankle; t an arm r leg, at r abve the elbw r knee; and t a finger r te, at r abve the third jint frm its extremity. Plicy Schedule The latest plicy schedule We give Yu, including any endrsement schedule r any renewal schedule. Pre-Existing Medical Cnditin Any medical cnditin fr which Yu have required treatment r advice frm a dctr, chirpractr, physitherapist r naturpath, befre the cmmencement date f Yur cver. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 9 f 16

10 Quadriplegia Ttal paralysis f bth legs and bth arms. Ttal Disablement Means permanent r temprary disablement that entirely prevents Yu r an Insured Persn frm: carrying ut all the nrmal duties f their Occupatin; r where they are engaged in mre than ne Occupatin, carrying ut all f the nrmal duties f all f them. We, Our, Us Certain Underwriters at Llyd s f Lndn. Weekly Benefit An amunt f up t 75% f Yur Earnings fr each type f benefit ffered under Sectin 2 and Sectin 3 f this Plicy. Yu, Yur The insured/s shwn in the Plicy Schedule ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 10 f 16

11 Sectin 1 Types f Cver Types f cver The Plicy prvides a chice f cver. Yu can chse a cmbinatin f any r all f the fllwing types f cver: Sectin 1 Capital Benefits Sectin 2 Weekly Benefits Injury Sectin 3 Weekly Benefits Illness The types f cver Yu have chsen will be shwn n Yur Plicy Schedule. Sectin 1 Capital Benefits What We will pay In cnsideratin f the payment f the required premium(s) and subject t all the cnditins, definitins and exclusins f this Plicy, We agree with Yu, t the extent and in the manner set ut in this Plicy, that if Yu r an Insured Persn sustains an Injury during the perid this Plicy is in effect, We will pay t Yu r t the executrs r administratrs f Yur will (if any) any applicable Benefit after the ttal amunt f Yur claim has been accepted by Us, up t a maximum f five times Yur annual Earnings. Where a Benefit is payable fr Permanent Ttal Disablement, Permanent Quadriplegia, Permanent Paraplegia, r Permanent and incurable paralysis f all limbs, We will als pay Yu the csts necessarily incurred by Yu in mdifying Yur mtr vehicle r hme, r in relcating Yu t a suitable hme, t a maximum sum f $10,000. Capital Benefit Cnditins Any Benefit payable will be reduced by any amunt f any ther Benefit We have paid r are liable t pay in cnnectin with the same Injury. All further cver under this Sectin ceases if Yu becme entitled t a Benefit f mre than 75% f the sum insured under Sectin 1. Where mre than ne Cnditin arises ut f the same Injury, then: If ne Cnditins frms part f a mre significant Cnditin (fr example, lss f a hand and lss f an arm), then We will pay Yu fr the Cnditin that attracts the highest Benefit; r If the tw Cnditins are unrelated (fr example, lss f a leg and lss f an arm), then we will pay fr bth Cnditins. If Yu are travelling n a jurney and Yur means f transprtatin disappears, sinks r is wrecked; and Yur bdy has nt been fund within ne year; then We will presume that Yu have died as a result f Injury and will pay the Benefit fr death accrdingly Sectin 2 - Weekly Benefits - Injury What We will pay In cnsideratin f the payment f the required premium(s) and subject t all the cnditins, definitins and exclusins f this Plicy, We agree with Yu, t the extent and in the manner set ut in this Plicy, that if Yu r an Insured Persn sustains an Injury during the perid this Plicy is in effect, We will pay t Yu any applicable Weekly Benefit after the ttal amunt f Yur claim has been accepted by Us. Additinal Benefits fr Weekly Benefits - Injury Indexed benefit If We pay Yu a Weekly Benefit under this Plicy fr the same Injury r Illness fr a perid in excess f 52 weeks We will increase Yur Weekly Benefit each year by the lesser f: (i) 7%; r (ii) the increase in the Cnsumer Price Index (in the State where Yu live) cmpared with the previus year. Rehabilitatin additinal benefit If We pay Yu a Weekly Benefit under this Plicy, We will als pay fr the csts incurred by Yu fr participatin in a return t wrk prgram if We cnsider the prgram reasnable, and Yur medical practitiner agrees up t a maximum f $5000. What We will nt pay We will nt pay any claim under this sectin f the Plicy if the claim arises directly r indirectly ut f a Pre-Existing Medical Cnditin unless We have agreed t cver these cnditins and have endrsed the Plicy accrdingly. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 11 f 16

12 Weekly Benefit Injury Cnditins a. Successive perids f Ttal r Partial Disablement: resulting frm the same Injury, and which are nt separated by a return t active full time emplyment fr six mnths r mre; will be cnsidered as ne claim b. Weekly Benefits will be paid after the Excluded Perid f Claim has elapsed. c. We will pay Weekly Benefits while Yu cntinue t suffer Ttal r Partial Disablement up t a maximum perid shwn in the Plicy Schedule. d. Ntwithstanding paragraphs (a) and (c), We will nt pay Weekly Benefits fr any Ttal r Partial Disablement: which cmmences r recurs after the expiry f this Plicy; r when Yu are n unpaid leave r n maternity leave; r when Yu are utside Australia. e. We will stp paying Weekly Benefits if Yu cmmence any new ccupatin while Yu are receiving Weekly Benefits. f. We will stp paying Weekly Benefits when Yu becme entitled t a Benefit f 75% r greater f the sum insured fr Sectin 1 Capital Benefits (if applicable). g. We will nt pay Weekly Benefits fr mre than ne claim at any ne time. The Weekly Benefit We pay will nt exceed the earnings Yu have actually lst. The Weekly Benefit will be reduced by: any amunts Yu are entitled t receive frm: sick leave any statutry wrkers cmpensatin r transprt accident scheme; and incme that Yu derive r are able t derive frm any gainful ccupatin. Sectin 3 - Weekly Benefits - Illness What We will pay In cnsideratin f the payment f the required premium(s) and subject t all the cnditins, definitins and exclusins f this Plicy, We agree with Yu, t the extent and in the manner set ut in this Plicy, that if Yu r an Insured Persn sustains an Illness during the perid this Plicy is in effect, We will pay t Yu any applicable Weekly Benefit after the ttal amunt f Yur claim has been accepted by Us. Additinal Benefits fr Weekly Benefits - Illness Indexed benefit If We pay Yu a Weekly Benefit under this Plicy fr the same Injury r Illness fr a perid in excess f 52 weeks We will increase Yur Weekly Benefit each year by the lesser f: (i) 7%; r (ii) the increase in the Cnsumer Price Index (in the State where Yu live) cmpared with the previus year. Rehabilitatin additinal benefit If We pay Yu a Weekly Benefit under this Plicy, We will als pay fr the csts incurred by Yu fr participatin in a return t wrk prgram if We cnsider the prgram reasnable, and Yur medical practitiner agrees up t a maximum f $5000. What We will nt pay We will nt pay any claim under this sectin f the Plicy if a claim arises directly r indirectly ut f any f the fllwing; a Pre-Existing Medical Cnditin unless We have agreed t cver such cnditins and have endrsed the plicy accrdingly; injury; r HIV r any cnditin caused by HIV including AIDS. Weekly Benefits Illness Cnditins a. Successive perids f Ttal r Partial Disablement: resulting frm the same illness; and which are nt separated by a return t active full time emplyment fr six mnths r mre will be cnsidered as ne claim. b. Weekly Benefits will be paid after the Excluded Perid f Claim has elapsed c. We will pay Weekly Benefits while Yu cntinue t suffer Partial r Ttal Disablement up t the maximum perid shwn in the Plicy Schedule unless the Ttal r Partial Disablement is caused directly r indirectly by mental illness r disrders (including but nt limited t anxiety ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 12 f 16

13 disrders, nervus disrders, depressin, stress, fatigue, exhaustin, psychiatric cmplicatins f physical disrders, behaviural disrders) r chrnic fatigue syndrme. In that case We will pay up t a maximum f 26 weeks. d. Ntwithstanding paragraphs (a) and (c), We will nt pay Weekly Benefits fr a perid f Ttal r Partial Disablement: which cmmences r recurs after the expiry f this Plicy, r when Yu are n unpaid leave r n maternity leave; r when Yu are utside Australia e. We will stp paying Weekly Benefits if Yu cmmence any new ccupatin while Yu are receiving Weekly Benefits. f. We will nt pay Weekly Benefits fr mre than ne Illness at any ne time. The Weekly Benefit We pay will nt exceed the earnings Yu have actually lst. The amunt f Yur claim will be reduced by: any amunts Yu are entitled t receive frm: sick leave; any statutry wrkers cmpensatin r transprt accident scheme; and incme that Yu derive r are able t derive frm any gainful ccupatin. When Yu are nt cvered - General exclusins applying t this Plicy We have n liability t Yu under this Plicy fr lss, damage, destructin, death, injury, illness, liability, cst r expense f any nature directly r indirectly caused by, cntributed t by, resulting frm arising ut f r in cnnectin with any f the fllwing, regardless f any ther cause r event cntributing cncurrently r in any ther sequence t the lss: 1. War, invasin, acts f freign enemies, hstilities r war-like peratins (whether war be declared r nt), civil war, rebellin, revlutin, insurrectin, civil cmmtin assuming the prprtins f r amunting t an uprising, military r usurped pwer; r 2. Any act(s) f Terrrism Fr the purpse f this exclusin, an act f terrrism includes any act, r preparatin in respect f actin, r threat f actin designed t influence the gvernment de jure r de fact f any natin r any plitical divisin theref, r in pursuit f plitical, religius, idelgical r similar purpses t intimidate the public r a sectin f the public f any natin by any persn r grup(s) f persns whether acting alne r n behalf f r in cnnectin with any rganisatin(s) r gvernment(s) de jure r de fact, and which: invlves vilence against ne r mre persns; r invlves damage t prperty; r endangers life ther than that f the persn cmmitting the actin; r creates a risk t health r safety f the public r a sectin f the public; r is designed t interfere with r t disrupt an electrnic system. 3. Radiactivity r the use, existence r escape f any nuclear fuel, nuclear material, r nuclear waste r actin f nuclear fissin r fusin. This Plicy als excludes any lss, destructin, damage, death, injury, illness, liability, cst r expense f any nature directly r indirectly caused by, cntributed t by, resulting frm r arising ut f r in cnnectin with any actin taken in cntrlling, preventing, suppressing, retaliating against, r respnding t r in any way relating t any f the abve exclusins. Additinal exclusins applying t this Plicy We will nt pay fr any claim under any sectin f the Plicy if the claim arises directly r indirectly ut f any f the fllwing: a. intentinal self injury r suicide r any attempt at suicide; b. flying r ther aerial activity unless as a fare paying passenger n an airline with scheduled flights; c. driving r riding in any kind f race; d. Yur criminal r illegal act; e. alchlism r drug addictin; f. participating in r training fr any prfessinal sprt; g. driving a mtr vehicle whilst having a percentage f alchl in Yur breath r bld in excess f that permitted by law; r h. pregnancy, childbirth r miscarriage. We will nt pay any claim under any sectin f the Plicy unless Yu are injured fr a perid f 28 cnsecutive days where that Injury is caused by practice fr r playing rganised ftball f any kind, nr where Yu are fit t return t wrk at the expiry f that 28 day perid. Ftball fr the purpse f this exclusin means sccer, and ftball cdes, including Aussie rules, rugby unin and rugby league, at any level. We will nt pay fr any claim under any sectin f the Plicy if Yu are ver 65 years f age, unless We have agreed and it is nted n the Plicy Schedule. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 13 f 16

14 General Cnditins Duty f disclsure What Yu must tell Us New business Where Yu are entering int this Plicy fr the first time (that is, it is new business and is nt being renewed, varied, extended r reinstated) Yu must answer the specific questins We ask relevant t Our decisin t insure Yu. When answering Our questins Yu must be hnest. Wh needs t tell Us It is imprtant that Yu understand Yu are answering Our questins in this way fr yurself and anyne else that Yu want t be cvered by the Plicy. If Yu d nt tell Us If Yu d nt answer Our questins in this way, We may reduce r refuse t pay a claim, r cancel the Plicy. If Yu answer Our questins fraudulently, We may refuse t pay a claim and treat the Plicy as never having existed. Renewals, variatins, extensins and reinstatements Once Yur Plicy is entered int and is n lnger new business then Yur duty t Us changes. Yu are required befre Yu renew, vary, extend r reinstate Yur Plicy, t tell Us everything Yu knw and that a reasnable persn in the circumstances culd be expected t knw, is a matter that is relevant t Our decisin whether t insure Yu, and anyne else t be insured under the Plicy, and if s, n what terms. Yu d nt have t tell Us abut any matter that diminishes the risk; that is f cmmn knwledge; that We knw r shuld knw in the rdinary curse f Our business as an insurer; r which We indicate We d nt want t knw If Yu d nt tell Us If Yu d nt cmply with Yur Duty f Disclsure We may reduce r refuse t pay a claim r cancel Yur Plicy. If Yur nn-disclsure is fraudulent We man treat this Plicy as never having existed. The General Insurance Cde f Practice ASR Underwriting Agencies Pty Ltd is a signatry t the General Insurance Cde f Practice. The Cde aims t raise standards f practice and service in the insurance industry. It: prmtes better cmmunicatin between insurers and custmers which will lead t better public understanding f insurance t allw custmers t make infrmed chices; and utlines gd standards f practice and service t be met by insurers t enhance their reputatin fr respnding efficiently t their custmers needs. Changing Yur Plicy If Yu want t make a change t this Plicy, the change becmes effective when: We agree t it, and We give Yu a new Plicy Schedule detailing the change. Other interests Yu cannt transfer any interests in this Plicy withut Our written cnsent. Any persn whse interests Yu have tld Us abut and We have nted n Yur Plicy Schedule is bund by the terms f this Plicy. Cancelling Yur Plicy Prvided that Yu have nt made a claim under the Plicy, then Yu may cancel the Plicy within twenty-ne (21) days f the date Yur plicy is issued by giving the Administratr written ntice and We will refund the premium paid and treat the plicy as if it never existed (prvided yu have nt made a claim under the Plicy). Otherwise, this Plicy may be cancelled by Yu giving Us (via the Administratr) twenty-eight (28) days ntice in writing. We may cancel this Plicy nly in accrdance with the Insurance Cntracts Act 1984 (Cth). Yu will receive a pr rata refund f the premium (less an administratin fee charged by the Administratr) prvided yu have nt made a claim under the Plicy. Where mre than ne persn is named as jint insured, We will nly cancel the Plicy where We receive a written agreement t cancel frm all named insureds. Ntices Any ntice We give Yu will be in writing, and it will be effective: if it is delivered t Yu persnally, r Yur agent/intermediary, immediately; 3 days after psting, if it is delivered r psted t Yur address last knwn t Us. It is imprtant fr Yu t tell Yur insurance brker/agent r representative f any change f address as sn as pssible. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 14 f 16

15 Claims a. If anything happens that is likely t lead t a claim Yu must: fllw medical advice frm a qualified medical practitiner as sn as pssible after sustaining injury r illness, and give Us ntice in writing, by telephne r in persn describing the ccurrence, and advise Yur agent/intermediary prmptly; and fully cmplete Our claim frm and return it t Us within 30 days after a Cnditin ccurs, and at Yur expense, prvide Us with any infrmatin abut the claim We ask fr including: dctr s reprts; letters and ntices Yu receive frm anyne else abut Yur claim. b. If Yu r any Insured Persn act fraudulently We can reject the claim altgether and cancel this Plicy. c. Yu and any Insured Persn must give Us written ntice as sn as pssible f every event, and all infrmatin in regard t matters which may lead t a claim under this Plicy. d. Yu and any Insured Persn must make every endeavur t minimise the Weekly Benefit We are required t pay under this Plicy while Yu r the Insured Persn are suffering frm Ttal r Partial Disablement. e. In the event f a claim Yu must advise Us f any ther insurance Yu and the Insured Persn have cvering the same risk. If Yu r the Insured Persn can claim frm anyne else and We have already paid fr the claim, Yu and the Insured Persn must render all reasnable assistance t Us including but nt limited t the prper ldgement f a claim in rder that We may btain a rateable recvery frm any ther Insurer. f. If Yu have made a claim under this Plicy We will pay all Benefits and Weekly Benefits t Yu except fr the Benefit in respect f death, which will be paid t Yur legal persnal representative. If a claim has been made by an Insured Persn ther than Yu, We will pay all Benefits and Weekly benefits t the Insured Persn, except fr the Benefit in respect f death, which We will pay t Yu. ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 15 f 16

16 ASR Underwriting Agencies ABN AFSL Persnal Accident Prduct Disclsure Statement 16 f 16

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