Personal Accident Insurance Especially designed for those aged 55 and over

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1 Personal Accident Insurance Especially designed for those aged 55 and over

2 Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement About Personal Accident Insurance Financial help when it really matters This Personal Accident Insurance pays a cash benefit, depending on the level of cover selected, of up to $10,000 if you suffer one of the injuries listed or up to $50,000 if you die as a result of an accident. Acceptance is guaranteed for anybody who is a permanent resident of Australia and aged between 55 and 74 Cash benefits paid direct to you to use in any way you wish Choice of $25,000 and $50,000 benefit amounts Easy to apply, no complex questionnaires 24 hour cover with benefits paid on top of any other insurance or accident scheme. Especially designed for those aged 55 and over Avoid drawing on your retirement funds when the unexpected happens Get extra help during your recovery or make modifications to your home Help pay for expenses not covered by Medicare or private health insurance Provide money for final expenses in the event of death. Benefits Cover Level Injuries Covered $25,000 $50,000 Neck $5,000 $10,000 Fractures Hip or Pelvis $4,000 $8,000 Skull $2,500 $5,000 Thigh, Heel, Upper Arm $2,000 $4,000 Ankle, Lower Leg, Elbow, Shoulder Blade $1,750 $3,500 Lower Jaw, Collarbone $1,500 $3,000 Lower Arm,Wrist $1,250 $2,500 Vertebrae (each) $1,000 $2,000 Sternum, Kneecap, Cheekbone $750 $1,500 Hand (excluding Fingers, Thumbs and Wrists), Foot (excluding Toes and Heel), Coccyx $500 $1,000 Nose $200 $400 Ribs (each) $150 $300 Toes, Thumbs or Fingers (each) $50 $100 Dislocations (requiring surgery under anaesthesia) Hip, Knee,Wrist, Elbow, Ankle, Shoulder Blade, Collarbone or Jaw $1,000 $2,000 Thumb $100 $200 Toes or Fingers $50 $100 27% or more of the body surface $3,000 $6,000 Burns (2nd or 3rd degree) 18% or more of the body surface $2,000 $4,000 9% or more of the body surface $1,500 $3,000 5% or more of the body surface $750 $1,500 Accidental Death $25,000 $50,

3 Product Disclosure Statement Premium options and when benefits are not paid Premium options You can choose from two levels of cover and the premium depends on the level you choose. Your premium does not increase with age. When both you and your spouse or partner apply, you will each be issued with your own policy. Monthly Premium Cover Level Single Couple $25,000 $13.80 $27.60 $50,000 $27.40 $54.80 The premiums can only be increased if the increase applies to all policies of this type and you will be notified at least one month in advance. Your premium must be paid when due to prevent your policy lapsing. Your premium will also include any stamp duty charged by your state government as well as any taxes that may be levied by state and federal governments. Taxation Usually benefits are paid free of personal tax and premiums are not tax deductible. This is a general statement based on present laws and their interpretation. Individual circumstances may vary. When benefits are not paid There is no requirement to prove fault before you can receive your benefit or to wait for the outcome of lengthy legal proceedings. There are however some exclusions and limits on the benefits. The maximum benefit paid for all injuries caused by the same accident is $5,000 on the $25,000 level of cover and $10,000 on the $50,000 level. Benefits are not paid for injuries or death that result from; intentional self injury involvement in a criminal act or war, hostilities, civil commotion, terrorism or insurrection accidents which occur on or before the cover commencement date accidents which occur outside Australia. Your Cover Level and the benefits paid for each injury or for death are halved for accidents occurring after you reach age 80. When your cover ceases Cover ceases on your death, when you reach age 85, if you don t pay your premium or when the total of all benefits paid reaches your cover level amount. Information about your policy You will receive a Policy Document once your application has been processed. The information contained in this document is important and should be read carefully. A copy of the policy document is available on request. Cooling off period When you receive your policy document from us, you have 30 days to check whether the policy meets your needs. Within this time you may cancel your policy in writing and receive a full refund of any money paid provided you have not made a claim. Your cover is provided by HCF Life Personal Accident Insurance is issued by HCF Life Insurance Company Pty Limited, a subsidiary of The Hospital Contribution Fund of Australia Limited and will not have a surrender value at any time. HCF is a not for profit organisation that has been looking after Australians since HCF and HCF Life are each responsible for the entire contents of this Combined Product Disclosure Statement and Financial Services Guide. Protecting your rights If you have a complaint about your policy, please contact our Policy Service Team on and we will attempt to resolve it promptly. If after that you are dissatisfied with our response, you can contact Financial Ombudsman Service Australia (FOS Australia). FOS Australia is an independent body available free of charge to consumers and can be contacted at: The Financial Ombudsman Service GPO Box 3, Melbourne VIC 3001 Phone no (1800 FOS AUS) 13 August

4 Our privacy statement Financial Services Guide HCF Life is committed to best practice privacy protection. We collect your personal information including sensitive information such as health information from you and/or the policy owner who is responsible for your policy and/or from other third parties detailed in the HCF Privacy Policy (which covers HCF Life), so we can: Comply with applicable laws Manage our relationship with you Provide life insurance related products and services to you (including through third parties) Manage and pay claims and benefits Assess your life insurance and related needs Investigate fraudulent or improper claims and assess risks Research and develop products, services and benefits that may better serve your needs Assess your possible interest in and tell you about such products and services Administer our business and deal with complaints. The types of organisations and individuals we disclose personal information to include: Third party organisations who deliver services on our behalf or to us, some of whom may be located overseas Research companies contracted to us to ask your opinion on improving our service, benefits or product offerings Other insurers or reinsurers Government including law enforcement agencies Related HCF companies The named policy owner who has your authority Any other authorised individual. If you do not provide the personal information we request, we may not be able to provide you with our products or services. You can ask us at any time to stop direct marketing to you by ing or calling For more information about the personal information we collect and how we handle it, how to access and correct your information or to make a complaint and how we will respond to complaints, please read the HCF Privacy Policy. To view the HCF Privacy Policy: Visit hcf.com.au Visit your local branch. All new policy owners should ensure that all members on the policy are made aware of the HCF Privacy Policy. This Financial Services Guide (FSG) relates to the services provided by HCF in relation to the Cash Assist products issued by HCF Life Insurance Company Pty Limited (HCF Life). It is designed to assist you in deciding whether to use any of the services offered by HCF in this FSG. It contains information about remuneration paid to HCF and its staff for the services offered and how complaints against HCF in relation to these services are dealt with. If HCF offers or arranges to issue you any of these products we will provide you with a Product Disclosure Statement relating to that product where required. This sets out the significant features of the product and will assist you to compare and make informed decisions about the product. HCF is licensed to provide general advice about and arrange the issue of life and general insurance products. The life insurance products are issued by HCF Life Insurance Company Pty Limited (HCF Life). HCF Life is a wholly owned subsidiary of HCF and acts on its own behalf. When we issue you with a policy, we do so under a binder that authorises us to enter into that contract of insurance on behalf of the insurer. The premiums for the life insurance products are paid to HCF Life. HCF receives commission from HCF Life for their sale of 40% of the first year s premium plus an additional commission of 80% of HCF Life s underwriting profit each year calculated as premiums less claims and expenses. HCF s staff receive an incentive depending on the annual premium of these products which they sell. This will not exceed 20% of the first year s premium. HCF is a not for profit organisation and all of the income it receives is applied for the benefit of its members. HCF provides general advice about the suitability of these products for the needs of members. This means we do not take account of individual objectives, financial situation or needs. You should, before acting on that advice, consider the appropriateness of the advice, having regard to your objectives, financial situation or needs. Please read the Product Disclosure Statement before deciding to purchase any of these products. HCF holds professional indemnity insurance that complies with the compensation requirements of Section 912B of the Corporations Act. This includes cover for claims in relation to the conduct of representatives and employees who no longer work for HCF but who did at the time of the relevant conduct. Should you have a complaint about any of the services we offer in this Financial Services Guide please contact us on If we have not resolved your complaint within 45 days or you are not satisfied with our response, you can contact The Financial Ombudsman Service Australia (FOS Australia). FOS Australia is an independent body available free of charge to consumers and can be contacted at: The Financial Ombudsman Service GPO Box 3, Melbourne VIC 3001 Phone no (1800 FOS AUS) HCF s contact details are shown on the back cover of this brochure. 13 August

5 Call am to 8pm Monday to Friday 9am to 5pm on weekends hcf.com.au The Hospitals Contribution Fund of Australia Limited ABN AFSL HCF Life Insurance Company Pty Limited ABN AFSL HCF House, 403 George Street, Sydney 2000 GPO Box 4445, Sydney NSW 2001 VAL0116 PER ACC

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