ACE VOLUNTARY WORKERS INSURANCE

Size: px
Start display at page:

Download "ACE VOLUNTARY WORKERS INSURANCE"

Transcription

1 ACE VOLUNTARY WORKERS INSURANCE SUMMARY OF KEY CHANGES Please note: This document provides a brief summary of the key changes made to the ACE Voluntary Workers Insurance Wording and Product Disclosure Statement (PDS). This is not an exhaustive list of the changes made and does not form part of the PDS. For a full description of the terms, conditions and exclusions of the cover please refer to the PDS and any other supporting documents that we issue you. Description of Key Changes Change Wording Reference Description New definition for "Benefit Period New definition for "Claimant New definition for "Non-Scheduled Flights" Amended definition of "Permanent Amended definition of "Permanent Total Disablement New definition for "Pre-Existing Medical Condition Amended definition of "Professional Sport" Means: the maximum period of time for which a benefit is payable under Events 25 and 26, as shown in the Schedule. Means: the holder, a Covered Person or any other person entitled to claim under the. Means: travel in an aircraft whose flights are not conducted in accordance with fixed flying schedules, over specific air routes, to and from fixed terminals. Means: having lasted twelve (12) consecutive months from the date of the Bodily Injury and at the expiry of that period, being beyond hope of improvement. Means: the disability having lasted twelve (12) consecutive months from the date of the Bodily Injury and at the expiry of that period, being beyond hope of improvement. Previously pre-existing medical conditions were excluded. The exclusion remains, but a definition of Pre- Existing Medical Conditions is now included. Means: a) any physical defect or condition for which treatment, education or advice (including advice for treatment) has been received or prescribed by a Doctor or Dentist in the three (3) years immediately prior to becoming a Covered Person under the ; or b) condition of which a reasonable person in the circumstances would be expected to be aware of three (3) months prior to becoming a Covered Person under the. Professional Sport is defined by reference to the proportion of a Covered Person's income derived from their participation in the sport. Means: any sport for which a Cover Person receives a fee, allowance, sponsorship or monetary reward as a result of their participation, which in totality accounts for more than 15% of their annual income from all sources.

2 Change Wording Reference Description New definition for "Renewal Period" New definition for "Renewal " New definition for "Seek Employment New definition for "Specially Designated List" Means: the period of insurance applicable to the Renewal Means: the voluntary workers insurance policy underwritten by Us which takes effect immediately at the end of the Period of Insurance Means: the Covered Person being registered with the government agency or department in their Country of Residence which is responsible for providing unemployment services, (such as Centrelink in Australia) and/or a recruitment company and then providing Us with proof of a minimum of two (2) new job applications per week Means: names of a person, entities, groups, or corporate specified on a list who are subject to trade or economic sanctions or other such similar laws or regulations of the United States of America, Australia, United Nations, European Union or United Kingdom. This definition facilitates the new "Sanctions Clause, contained within the. Amended definition of "Temporary Partial Disablement" Amended definition of "Temporary Total Disablement" General Definitions: Temporary Partial Disablement General Definitions: Temporary Total Disablement Means: where in the opinion of a Doctor, the Covered Person is temporarily unable to engage in a substantial part of their usual occupation or business duties resulting in their earnings post Bodily Injury of at least 25% less than their Salary. If the Covered Person ceases to be employed by the holder after the Event(s) occurs, then Temporary Partial Disablement means disablement which prevents the Covered Person from engaging in any occupation for which they may be suited by way of their education, training or experience which reduces their capacity to undertake an occupation by at least 25%. In both instances the Covered Person must be under the regular care of and acting in accordance with the instructions or advice of a Doctor. Means: where in the opinion of a Doctor, the Covered Person is temporarily unable to engage in any aspect of their usual occupation or any of their business duties. If the Covered Person ceases to be employed by the holder after the Event(s) occurs, then Temporary Total Disablement means disablement which prevents the Covered Person from engaging in any occupation for which they may be suited by way of their education, training or experience. In both instances the Covered Person must be under the regular care of, and acting in accordance with the instructions or advice of a Doctor. Amendment to the Insuring Clause Extent of Cover Bodily Injury The requirement that the Event occurs within twelve months of the date of the Bodily Injury is maintained. The definition is amended such that, with respect to Events 25 and/or 26 (weekly benefits), the Event must also occur during the Period of Insurance or any Renewal Period. Therefore, if the Event (i.e. the Covered Person temporarily ceasing work due to a Bodily Injury) first occurs outside a current policy period, then there is no cover. Amendment to Events 2, 3 and 19 Permanent Total Disablement Paraplegia or Quadriplegia Permanent partial disablement not otherwise provided for under Events 2 to 18 inclusive Any amount payable under Events 2,3 or 19 will be reduced by any benefits payable under Events 25 or 26 [weekly benefits] for any period greater than fifty-two weeks

3 Change Wording Reference Description Amendment to Event 9 (b) Loss of hearing in one ear Amendment to Event 10 Permanent Loss of use of four Fingers and Thumb of either Hand Amendment to Event 11 Permanent Loss of the lens in: (a) two eyes (b) one eye Amendment to Event 13 Permanent Loss of use of four Fingers and of either Hand Amendment to Event 19 Permanent partial disablement not otherwise provided for under Events 2 to 18 inclusive Amendment to Event 21 Amputation of Limb Amendment to the Age Limitation Extension Amendment to Condition 4 Part B Bodily Injury Resulting In Surgery Benefits Previously: Additional Cover Under the Condition 4 from 20% to 30%. from 75% to 80%. Loss of lens in two eyes is a new benefit at 100% of the sum insured. from 40% to 50%. The benefit is no longer payable at ACE s absolute discretion. Rather we will seek the medical opinion of three Doctors as to the percentage reduction in whole bodily function, one of whom will be the Covered Person s treating Doctor and the remaining two appointed by ACE. The maximum payable under this benefit remains at 75% of the sum insured. As per above, any amount payable under Event 19 will be reduced by any benefits payable under Events 25 or 26 (weekly benefits) for any period greater than fifty-two weeks. from 50% to 100%. The Age Limitation provisions now appear under. The provisions with respect to the age limits have changed. The age exclusion has been removed. Amended to specify that the holder must provide documentation in the case of a workers compensation top-up claim and other amounts that will be offset against weekly benefit amounts claimed. The amount of any benefit payable for Temporary Total Disablement and Temporary Partial Disablement will be reduced by the amount of any: a) periodic compensation benefits payable under any workers compensation or accident compensation scheme. Where We are making payments for a topup amount above the workers compensation weekly amount up to the benefit amount payable under the as stated in the Schedule, the holder must provide copies of all documentation in respect of the related workers compensation claim; and b) common law entitlement or other income protection insurance; and c) sick pay received, or at the discretion of the holder sick leave entitlement, monies paid or payable for the notice period in the event of a redundancy, or any disability entitlement;

4 Change Wording Reference Description Amendment to Condition 9 Amendment to Condition 10 New Condition 11 Deletion of General Exclusion Deletion of General Exclusion Condition 9 Condition 10 Condition 11 Previously Exclusion 4 Previously Exclusion 5 Amended to allow for offset of the benefit payable under Events 2, 3 and 19 where weekly benefits have been paid for longer than a 52 week period. If as a result of Bodily Injury, the Covered Person is entitled to a benefit under Events 25 and/or 26 and subsequently becomes entitled to a benefit under Events 2, 3 or 19, all benefits payable under Events 25 and 26 shall cease from the date of such entitlement. In addition, any weekly benefit amounts paid under Events 25 or 26 for any period greater than fifty two (52) weeks shall be offset against the benefit amount payable under Events 2, 3 or 19. An example of the offset calculation is in the PDS. Amended to stipulate the maximum benefit payable in the case of a non-salary earning employee With respect to, where the Lump Sum Benefit is Salary linked and the Employee is not in receipt of a Salary, the benefit amount shall be limited to fifty percent (50%) of the Lump Sum Benefit shown in the Schedule against their respective category of Covered Person to a maximum of $250,000. Included to stipulate that benefits shall only be payable under one ACE policy. Should a benefit be payable under this section of the policy that is also payable under any other insurance policy with ACE, then only one (1) policy can be claimed against (i.e. the policy with the greatest benefit). The HIV / AIDS exclusion has been deleted. The following exclusion has been deleted: results from the use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste or from the combustion of nuclear fuel. Deletion of General Exclusion New General Exclusion Amendment to Pre-Existing Medical Conditions exclusion Previously Exclusion 8 Exclusion 4 Exclusion 5 The age exclusion has been deleted. It was previously 85 years. Note: the Age Limitations clause has been amended as per (see below) The policy now specifically excludes any loss, damage, liability, Event or Bodily Injury which is covered by: Medicare; any workers compensation legislation; any transport accident legislation; any common law entitlement; any government sponsored fund, plan or medical benefit scheme; any other insurance policy required to effected under law. The General Exclusion for losses arising from Pre- Existing Medical Conditions now specifies that this does not apply where an illness or disease results directly from medical or surgical treatment rendered necessary by any Bodily Injury. Refer also to the new definition of Pre-Existing Medical Condition.

5 Change Wording Reference Description New General Provision "Age Limitations" As above, the age exclusion (previously 85 years) has been replaced by this Age Limitations provision, which limits the amounts recoverable by Covered Persons over the age of 75, as follows: Covered Persons aged 75yrs - 84yrs: Events 1-19 maximum sum insured is $25,000 (or schedule amount if less) Emergency Home Help sum insured is $250 per week for a maximum benefit period of 26 weeks Covered Persons aged 85yrs or over: Events 1-19 maximum sum insured is $10,000 (or schedule amount if less) Emergency Home Help sum insured is $250 per week for a maximum benefit period of 13 weeks Amended General Provision "Currency" New General Provision "Sanctions Clause" Furthermore, there is no cover for Events, 25 and 26 (weekly benefits) for Covered Persons aged 75 years or over at the time of loss. The reference to currency being in AUD is removed. The applicable currency is to be specified on the Schedule. The international operations of the ACE Group necessitates the inclusion of this clause: This insurance does not cover or pay claims arising directly or indirectly from, caused by, a consequence of, arising in connection with or contributed to by any loss or expenses with respect to a specially designated person, entity, group or company on the Specially Designated List or to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including but not limited to, the payment of claims. All other terms and conditions of the remain unchanged. Amended General Provision "Subrogation" The following wording is added to the existing subrogation clause: We will not be liable for a loss where the Claimant is a party to an agreement that excludes or limits Our rights to recover damages from a third party in respect of that loss, whenever that agreement was made, i.e. before or after the loss occurred. The effect of this provision is that the Claimant may prejudice the Claimant s rights with regard to a claim if the Claimant makes or has made any agreement with a third party that will prevent Us from recovering the loss from that party or another party. ACE Group is an American company which necessitates the inclusion of this clause.

6 About ACE ACE Group is one of the world s largest multiline property and casualty insurers. With operations in 54 countries, ACE provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. ACE Limited, the parent company of ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index. ACE, via acquisitions by its predecessor companies, has been present in Australia for over 50 years. ACE s operation in Australia (ACE Insurance Limited) provides specialised and customised coverage s, including Marine, Property, Liability, Energy, Professional Indemnity, Directors & Officers, Financial Lines, Utilities, as well as Accident & Health insurance, to a broad client base. ACE is a major insurer of many of the country s largest companies. With five branches and 400 staff in Australia, it has a wealth of local expertise backed by its global reach and breadth of resources. More information can be found at CONTACT US Australia Head Office and New South Wales Branch The ACE Building 28 O Connell Street Sydney NSW 2000 Tel: (02) Fax: (02) Queensland Branch Level 27, 10 Eagle Street Brisbane, QLD 4000 Tel: (07) Fax: (07) South Australia Branch Level 7, 147 Pirie Street Adelaide SA 5000 Tel: (08) Fax: (08) Victoria Branch Level 16, 600 Bourke Street Melbourne VIC 3000 Tel: (03) Fax: (03) Western Australia Branch Level 26, 44 St. George s Terrace Perth WA 6000 Tel: (08) Fax: (08) The Voluntary Workers Insurance is issued by ACE Insurance Limited (ABN ; AFSL ). Any information provided is factual only. Potential purchasers should read the policy wording and Product Disclosure Statement available online at to decide if the product is right for them ACE Group. ACE, ACE logo, and ACE insured are trademarks of ACE Limited. ACE

ACE JOURNEY ACCIDENT INSURANCE

ACE JOURNEY ACCIDENT INSURANCE ACCIDENT & HEALTH ACE JOURNEY ACCIDENT INSURANCE SUMMARY OF KEY CHANGES Please note: This document provides a brief summary of the key changes made to the ACE Journey Accident Insurance Policy Wording

More information

ACE GROUP PERSONAL ACCIDENT & SICKNESS INSURANCE

ACE GROUP PERSONAL ACCIDENT & SICKNESS INSURANCE ACCIDENT & HEALTH ACE GROUP PERSONAL ACCIDENT & SICKNESS INSURANCE SUMMARY OF KEY CHANGES Please note: This document provides a brief summary of the key changes made to the ACE Group Personal & Sickness

More information

Journey Accident Insurance. Policy Wording & Product Disclosure Statement (PDS) 10PDSACEJA01 ACE Journey Accident Insurance Policy Wording & PDS

Journey Accident Insurance. Policy Wording & Product Disclosure Statement (PDS) 10PDSACEJA01 ACE Journey Accident Insurance Policy Wording & PDS Journey Accident Insurance Policy Wording & Product Disclosure Statement (PDS) 1 of 15 ABOUT ACE ACE Insurance in Australia is a member of the ACE Group of Companies, a global leader in insurance and reinsurance.

More information

Principally promoters, organisers and operators of Mini Trotting events including all associated activities.

Principally promoters, organisers and operators of Mini Trotting events including all associated activities. Personal Accident INSURED BENEFICIARIES BUSINESS GEOGRAPHICAL SCOPE PERIOD OF INSURANCE SCOPE OF COVER Voluntary Workers of Mini Trotting Clubs and Associations as detailed below including all members,

More information

Personal Accident. Schedule of Benefits

Personal Accident. Schedule of Benefits Personal Accident INSURED Harness Racing Australia Inc (HRA) and it s Members (State Controlling Bodies excluding Harness Racing New South Wales), Australian Mini Trotting Clubs (as below), Junior Member

More information

ACE BUSINESS TRAVEL INSURANCE

ACE BUSINESS TRAVEL INSURANCE ACCIDENT & HEALTH ACE BUSINESS TRAVEL INSURANCE LOCAL EXPERTS, GLOBAL COVER Why choose ACE? A new and improved policy with broad coverage and a host of additional benefits Expert service from local underwriting

More information

GROUP PERSONAL ACCIDENT

GROUP PERSONAL ACCIDENT GROUP PERSONAL ACCIDENT AND SICKNESS INSURANCE POLICY IMPORTANT YOUR DUTY OF DISCLOSURE Before You enter into a contract of insurance with an insurer, You have a duty to disclose to the insurer every matter

More information

Asteron Lifeguard Enhancements Income Shield Super

Asteron Lifeguard Enhancements Income Shield Super Enhancements Income Shield Super CONTENTS 1.0 Summary of changes 2 2.0 Enhancements to Included Income Shield Super Benefits 3 2.1 New 5 Year Benefit Period for S Class Occupations 3 2.2 Improved Sick

More information

Personal Accident or Personal Accident and Sickness

Personal Accident or Personal Accident and Sickness Personal Accident or Personal Accident and Sickness Product Disclosure Statement and Certificate Wording Version Number 011005 SRS Underwriting Agency Pty Ltd AFSL 290518 ABN 89 113 929 516 Brisbane: Level

More information

Group Accident & Sickness Insurance

Group Accident & Sickness Insurance Group Accident & Sickness Insurance Income Protection for Employees Product Disclosure Statement and Policy Wording SRS Underwriting Agency Pty Ltd AFSL 290518 ABN 89 113 929 516 Brisbane: Level 6, 200

More information

Inpatriate Medical Expenses Claim Form

Inpatriate Medical Expenses Claim Form ACE Insurance Limited ABN 23 001 642 020 28-34 O Connell Street Sydney NSW 2000 Australia GPO Box 4065 Sydney NSW 2001 Australia (02) 9335 3355 main (02) 9231 3697 fax www.aceinsurance.com.au 1800 027

More information

PUBLIC SERVICE ASSOCIATION NSW MEMBERS PERSONAL INJURY INSURANCE POLICY

PUBLIC SERVICE ASSOCIATION NSW MEMBERS PERSONAL INJURY INSURANCE POLICY American Home Assurance Company ABN 67 007 483 267 AFSL No 230903 Incorporated with Limited Liability in the USA (A Member of American International Group, Inc.) PUBLIC SERVICE ASSOCIATION NSW MEMBERS

More information

PERSONAL ACCIDENT INSURANCE. Policy Wording and Product Disclosure Statement (PDS)

PERSONAL ACCIDENT INSURANCE. Policy Wording and Product Disclosure Statement (PDS) PERSONAL ACCIDENT INSURANCE Policy Wording and Product Disclosure Statement (PDS) CONTENTS 1. Helpful Overview 4 2. Important Information about this Policy Wording and PDS 6 3. About the Insurer 6 4. Duty

More information

Public Service Association NSW Personal Injury Insurance Policy

Public Service Association NSW Personal Injury Insurance Policy Public Service Association NSW Personal Injury Insurance Policy COMBINED PRODUCT DISCLOSURE STATEMENT AND POLICY WORDING Melbourne: Level 12, 717 Bourke Street, Docklands VIC 3008 Sydney: Level 19, 2 Park

More information

FINANCIAL LINES ACE ELITE PLUS MANAGEMENT LIABILITY INSURANCE

FINANCIAL LINES ACE ELITE PLUS MANAGEMENT LIABILITY INSURANCE FINANCIAL LINES ACE ELITE PLUS MANAGEMENT LIABILITY INSURANCE 00 The ACE Elite Plus Management Liability policy features coverage and benefits designed to address the serious risks confronting private

More information

Suncorp Consumer Credit Insurance for Personal Loans Product Disclosure Statement

Suncorp Consumer Credit Insurance for Personal Loans Product Disclosure Statement Suncorp Consumer Credit Insurance for Personal Loans Product Disclosure Statement Prepared on: 16 March 2015 Effective Date: 30 March 2015 Suncorp Consumer Credit Insurance for Personal Loans Product Disclosure

More information

CASUALTY CASUALTY INSURANCE SOLUTIONS

CASUALTY CASUALTY INSURANCE SOLUTIONS CASUALTY CASUALTY INSURANCE SOLUTIONS CONTENTS Casualty Insurance Solutions 03 Products and coverage extensions 04 Preferred industry segments 04 Casualty Capacity by NAIC code 05 About ACE 05 ACE Global

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM ACCIDENT & HEALTH PERSONAL INJURY CLAIM FORM Send claim to: Accident & Health Claims Department ACE Insurance Limited GPO Box 4065 Sydney NSW 2001 Australia Claims phone: 1800 688 640 Customer service:

More information

Group Personal Accident and Sickness Insurance Income Protection for Employees Product Disclosure Statement and Policy Wording

Group Personal Accident and Sickness Insurance Income Protection for Employees Product Disclosure Statement and Policy Wording Group Personal Accident and Sickness Insurance Income Protection for Employees Product Disclosure Statement and Policy Wording v12.14 Pen Underwriting Pty Ltd ABN 89 113 929 516 AFSL 290518 Our name comes

More information

PUBLIC SERVICE ASSOCIATION NSW PERSONAL INJURY INSURANCE POLICY

PUBLIC SERVICE ASSOCIATION NSW PERSONAL INJURY INSURANCE POLICY American Home Assurance Company ABN 67 007 483 267 AFSL No 230903 Incorporated with Limited Liability in the USA (A Member of American International Group, Inc.) PUBLIC SERVICE ASSOCIATION NSW PERSONAL

More information

Credicover Loan Insurance

Credicover Loan Insurance The Disability and Involuntary Unemployment component of this policy is underwritten by Credicorp Insurance Pty Ltd ABN 50 069 196 756, AFSL No. 238 335. Life Insurance issued by arrangement with CGU Insurance

More information

American Express Credit Protector

American Express Credit Protector American Express Credit Protector Policy Wording and Product Disclosure Statement (PDS) Index 1 Important information about this Policy Wording and PDS 3 2 About the Insurers and the Promoter 3 3 Duty

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: ANA042769PAD Claim Number: BICYCLE QUEENSLAND PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR BICYCLE QUEENSLAND; V-Insurance Group Pty Ltd Authorised Representative No.

More information

American Express Credit Protector

American Express Credit Protector American Express Credit Protector Policy Wording and Product Disclosure Statement (PDS) Index 1 Important information about this Policy Wording and PDS 4 2 About the Insurer and the Promoter 4 3 Duty of

More information

Initial Claim Form Income Protection

Initial Claim Form Income Protection Initial Claim Form Income Protection March 2014 OnePath Custodians Pty Limited (OnePath Custodians) ABN 12 008 508 496 AFSL 238346 RSE L0000673 OnePath Life Limited (OnePath Life) ABN 33 009 657 176 AFSL

More information

Accident & Health International Underwriting Pty Ltd STUDENT INJURY POLICY. Product Disclosure Statement (PDS) and Wording

Accident & Health International Underwriting Pty Ltd STUDENT INJURY POLICY. Product Disclosure Statement (PDS) and Wording Accident & Health International Underwriting Pty Ltd STUDENT INJURY POLICY Product Disclosure Statement (PDS) and Wording FEDERATION OF PARENTS & CITIZENS ASSOCIATION OF NSW STUDENT INJURY INSURANCE This

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: ATCSI00035 Claim Number: PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR TABLE TENNIS AUSTRALIA V-Insurance Group Pty Ltd Authorised Representative No. 432898 an authorised

More information

QBE INSURANCE (AUSTRALIA) LIMITED ABN 78 003 191 035

QBE INSURANCE (AUSTRALIA) LIMITED ABN 78 003 191 035 GROUP PERSONAL ACCIDENT POLICY SCHEDULE Policy Number: Policy Wording: The Insured: The Business: AN A042331 PAD QBE QM 360-0312 Sports Injury Insurance Policy Wording (as attached) Cycling Australia Inc.,

More information

ROTARY AUSTRALIA NATIONAL INSURANCE PROGRAMME Insurance Summary 2015/2016

ROTARY AUSTRALIA NATIONAL INSURANCE PROGRAMME Insurance Summary 2015/2016 ROTARY AUSTRALIA NATIONAL INSURANCE PROGRAMME Insurance Summary 2015/2016 INSURED Nominated Rotary Districts and Clubs, Rotaract and Interact Clubs including clubs in the course of formation, incorporated

More information

Group Personal Accident and/or Sickness Policy Wording

Group Personal Accident and/or Sickness Policy Wording Group Personal Accident and/or Sickness Policy Wording Underwritten by CGU Insurance Limited via Accident & Health International Underwriting Pty Limited Accident & Health International Underwriting Pty

More information

Income Protection Policy Addendum Dated 10 October 2010

Income Protection Policy Addendum Dated 10 October 2010 Income Protection Policy Addendum Dated 10 October 2010 Policy Addendum for Income Protection Please read this document and keep it in a safe place with your Income Protection Policy Document. It is important

More information

Welcome to the AYSF Group Insurance Plans.

Welcome to the AYSF Group Insurance Plans. An introduction to Group Insurance Plans - Members Booklet Welcome to the AYSF Group Insurance Plans. Important note: This document is provided by AYSF and has been prepared with the assistance of Certainty

More information

INDIVIDUAL PERSONAL ACCIDENT AND SICKNESS INSURANCE PLAN

INDIVIDUAL PERSONAL ACCIDENT AND SICKNESS INSURANCE PLAN INDIVIDUAL PERSONAL ACCIDENT AND SICKNESS INSURANCE PLAN Policy wording Version AHI CBUS L PDS 1-7-2015 PRODUCT DISCLOSURE STATEMENT (PDS) Preparation Date: 3 June 2015 The purpose of this PDS This PDS

More information

Macquarie Superannuation Plan Group Income Protection Contract

Macquarie Superannuation Plan Group Income Protection Contract Macquarie Superannuation Plan Group Income Protection Contract This Contract applies to the following products: Macquarie Superannuation Insurance Macquarie Super Manager Life Insurance SuperOptions Insurance

More information

Injury insurance designed for AMWU members

Injury insurance designed for AMWU members INJURY INSURANCE Injury insurance designed for AMWU members up to $75,000 death benefit (plus at-work cover) up to $35,000 serious trauma benefit up to $8,000 broken bones benefit higher dental injury

More information

Personal Injury Claim Form

Personal Injury Claim Form ACE Insurance Limited ABN 23 001 642 020 28-34 O Connell Street Sydney NSW 2000 Australia GPO Box 4065 Sydney NSW 2001 Australia (02) 9335 3355 main (02) 9231 3697 fax www.aceinsurance.com.au 1800 815

More information

Personal Accident Insurance for Students

Personal Accident Insurance for Students Personal Accident Insurance for Students The Deakin University Personal Accident Insurance Policy provides personal accident insurance cover for Deakin University Students, including postgraduate Students,

More information

Personal Accident Claim Form

Personal Accident Claim Form Corporate Services Network ABN 30 074 864 609 Level 2 280 George Street Sydney NSW 2000 Ph: 61 2 8256 1770 Fax: 61 2 8256 1775 www.csnet.com.au e-mail: claims@csnet.com.au Personal Accident Claim Form

More information

Personal Injury Claim Form

Personal Injury Claim Form ACE Insurance Limited ABN 23 001 642 020 28-34 O Connell Street Sydney NSW 2000 Australia GPO Box 4065 Sydney NSW 2001 Australia 1800 688 640 claims phone 1800 815 675 customer service +61 (0)2 9231 3697

More information

Combined Product Disclosure Statement and Policy Wording. Personal Accident Insurance for Voluntary Workers

Combined Product Disclosure Statement and Policy Wording. Personal Accident Insurance for Voluntary Workers Combined Product Disclosure Statement and Policy Wording Personal Accident Insurance for Voluntary Workers AIG Australia Limited Personal Accident Insurance for Voluntary Workers Combined Product Disclosure

More information

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

More information

Combined Product Disclosure Statement and Policy Wording. Employee Journey Personal Accident Insurance

Combined Product Disclosure Statement and Policy Wording. Employee Journey Personal Accident Insurance Combined Product Disclosure Statement and Policy Wording How is your insurance arranged? This insurance is issued/insured by: AIG Australia Limited (AIG) ABN 93 004 727 753 AFSL 381686 Level 12 717 Bourke

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: AN A043307 PAD Claim Number: ATHLETICS AUSTRALIA PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR ATHLETICS AUSTRALIA V-Insurance Group Pty Ltd Authorised Representative No.

More information

PERSONAL ACCIDENT INSURANCE POLICY FOR VOLUNTARY WORKERS

PERSONAL ACCIDENT INSURANCE POLICY FOR VOLUNTARY WORKERS PERSONAL ACCIDENT INSURANCE POLICY FOR VOLUNTARY WORKERS COMBINED PRODUCT DISCLOSURE STATEMENT AND POLICY WORDING Melbourne: Level 12, 717 Bourke Street, Docklands VIC 3008 Sydney: Level 19, 2 Park Street,

More information

Individual Personal Accident & Sickness Policy Wording

Individual Personal Accident & Sickness Policy Wording Individual Personal Accident & Sickness Policy Wording Table of Contents Product Disclosure Statement (PDS) 3 The Purpose of this PDS 3 The Issuer 3 Cooling-Off Period 3 Privacy 3 Your Duty of Disclosure

More information

Personal Injury Claim Form

Personal Injury Claim Form ACE Insurance Limited ACE Insurance Limited GPO Box 4065 1800 688 640 claims phone ABN 23 001 642 020 ABN 23 001 642 020 Sydney NSW 2001 1800 815 675 customer service The ACE Building GPO Box 4065 Claims

More information

SUPPLEMENTARY GROUP PERSONAL ACCIDENT POLICY

SUPPLEMENTARY GROUP PERSONAL ACCIDENT POLICY SUPPLEMENTARY GROUP PERSONAL ACCIDENT POLICY WHEREAS the Policyholder named in the Policy hereto has by signed proposal and declaration (hereinafter called Group Application Form ) has applied to MCIS

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 February 2014 Contents 1 About this document 2 Important notes 2 About Hannover 3 About UPlus 3 UPlus administration 3 How

More information

Employee Protect Insurance

Employee Protect Insurance Employee Protect Insurance L O C K T O N C O M P A N I E S LOCKTON AUSTRALIA HAS CREATED AN ALL IN ONE EMPLOYEE BENEFIT POLICY TO GIVE YOU AND YOUR EMPLOYEES PEACE OF MIND. Employee Protect is an All Risks

More information

CHUBB GROUP PERSONAL INJURY INSURANCE

CHUBB GROUP PERSONAL INJURY INSURANCE CHUBB GROUP PERSONAL INJURY INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY WORDING Issued by Chubb Insurance Company of Australia Ltd ABN: 69 003 710 647 AFS Licence No. 239778 Sydney: Citigroup Centre,

More information

ACE Bill Protect. Policy Wording and Product Disclosure Statement (PDS)

ACE Bill Protect. Policy Wording and Product Disclosure Statement (PDS) ACE Bill Protect Policy Wording and Product Disclosure Statement (PDS) INDEX 1 Helpful Overview 5 and Who to Contact 2 About the Insurer 8 3 Important information about 8 this Policy Wording and PDS 4

More information

Reference Number Policy Number Sex M F Age

Reference Number Policy Number Sex M F Age Reference Number Policy Number Sex M F Age The insured is responsible for completion of this form without expense to the company Patient s name and address What is disabling patient? Please give a complete

More information

Retail Clients are required to be provided with a Product Disclosure Statement prepared by the product issuer/ insurer.

Retail Clients are required to be provided with a Product Disclosure Statement prepared by the product issuer/ insurer. EMPLOYEE JOURNEY PERSONAL ACCIDENT INSURANCE POLICY COMBINED PRODUCT DISCLOSURE STATEMENT AND POLICY WORDING Melbourne: Level 12, 717 Bourke Street, Docklands VIC 3008 Sydney: Level 19, 2 Park Street,

More information

Work Injury Compensation Insurance (Contract)

Work Injury Compensation Insurance (Contract) Work Injury Compensation Insurance (Contract) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.

More information

GROUP PERSONAL ACCIDENT POLICY SCHEDULE

GROUP PERSONAL ACCIDENT POLICY SCHEDULE GROUP PERSONAL ACCIDENT POLICY SCHEDULE INSURER: LUMLEY GENERAL INSURANCE LTD ABN 24 000 036 279 Level 1, 369 High Street, Kew VIC 3101 PO Box 542 Kew VIC 3101 Phone: 03 9855 5640 Fax: 03 9855 5722 Policy

More information

Group Personal Accident and Sickness Insurance Product Disclosure Statement and Policy Wording. Table of Contents

Group Personal Accident and Sickness Insurance Product Disclosure Statement and Policy Wording. Table of Contents DUALGPAPDSV411 1 Group Personal Accident and Sickness Insurance Product Disclosure Statement and Policy Wording Table of Contents Group Personal Accident and Sickness Insurance.. 3 Product Disclosure Statement

More information

Asteron Lifeguard Enhancements Life Cover Super

Asteron Lifeguard Enhancements Life Cover Super Enhancements Life Cover Super Contents 1.0 Summary of changes 2 2.0 Improved Included Benefits 3 2.1 Improved Special Events Increase Benefit New Trigger Events 3 2.2 Improved Removal of $2,000,000 cap

More information

Insurance Guide. 15 December 2014. Contents. Important information. For more information

Insurance Guide. 15 December 2014. Contents. Important information. For more information Insurance Guide 15 December 2014 Contents 1. Insurance in your Super... 2 2. Complete Super at a glance... 2 3. Death and TPD cover... 2 4. Income Protection insurance cover... 4 6. Group Income Protection

More information

BICYCLE NEW SOUTH WALES PERSONAL INJURY CLAIM FORM

BICYCLE NEW SOUTH WALES PERSONAL INJURY CLAIM FORM Office use only Policy Number: AN A044041 PAD Claim Number: BICYCLE NEW SOUTH WALES PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR BICYCLE NEW SOUTH WALES INC V-Insurance Group Pty Ltd V-Insurance Group

More information

Work Injury Compensation Insurance (Annual)

Work Injury Compensation Insurance (Annual) Work Injury Compensation Insurance (Annual) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.

More information

STUDENT SAFETY ACCIDENTAL INSURANCE POLICY (CLASS 1 TO 8) Policy No. GIF/81/SSI/2011-12/10

STUDENT SAFETY ACCIDENTAL INSURANCE POLICY (CLASS 1 TO 8) Policy No. GIF/81/SSI/2011-12/10 GOVERNMENT OF RAJASTHAN STATE INSURANCE PROVIDENT FUND DEPARTMENT (GENERAL INSURANCE FUND) 2nd FLOOR,'D BLOCK,VITTA BHAWAN,JANPATH,JAIPUR. PHONE 2740219,2740292 STUDENT SAFETY ACCIDENTAL INSURANCE POLICY

More information

GROUP PERSONAL ACCIDENT POLICY SCHEDULE

GROUP PERSONAL ACCIDENT POLICY SCHEDULE QBE INSURANCE (AUSTRALIA) LIMITED ABN 78 003 191 035 GROUP PERSONAL ACCIDENT POLICY SCHEDULE Policy Number: AN A044726 PAD Policy Wording: The Insured: The Business: Period of Insurance: QBE QM 360-0312

More information

CEPU Representatives Guidelines Australia Post Workers Compensation

CEPU Representatives Guidelines Australia Post Workers Compensation CEPU Representatives Guidelines Australia Post Workers Compensation Introduction This Union Representatives Guide provides information on the following rights and entitlements of workers' compensation

More information

Combined Product Disclosure Statement and Policy Wording. Personal Accident Insurance for Voluntary Workers

Combined Product Disclosure Statement and Policy Wording. Personal Accident Insurance for Voluntary Workers Combined Product Disclosure Statement and Policy Wording How is your insurance arranged? This insurance is issued/insured by: AIG Australia Limited (AIG) ABN 93 004 727 753 AFSL 381686 Level 12 717 Bourke

More information

Accident & Health International Underwriting Pty Ltd GROUP PERSONAL ACCIDENT AND/OR SICKNESS. Product Disclosure Statement (PDS) and Wording

Accident & Health International Underwriting Pty Ltd GROUP PERSONAL ACCIDENT AND/OR SICKNESS. Product Disclosure Statement (PDS) and Wording Accident & Health International Underwriting Pty Ltd GROUP PERSONAL ACCIDENT AND/OR SICKNESS Product Disclosure Statement (PDS) and Wording This Product Disclosure Statement (PDS) contains two parts: Important

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

Section. Basic Life Insurance and accidental Death & dismemberment insurance

Section. Basic Life Insurance and accidental Death & dismemberment insurance Section b Basic Life Insurance and accidental Death & dismemberment insurance Section Page Coverage...B. 1 General Provisions...B. 1 Appeal of Denied Claims...B. 3 Conversion Privilege...B. 4 Insurer...B.

More information

Certificate of Currency Our Ref: 076719. Surf Life Saving Western Australia, including clubs, branches and/or affiliated entities.

Certificate of Currency Our Ref: 076719. Surf Life Saving Western Australia, including clubs, branches and/or affiliated entities. 24 October 2014 Jardine Lloyd Thompson Pty Ltd ABN 69 009 098 864 27 Evelyn Street NEWSTEAD QLD 4006 PO Box 2321 Fortitude Valley BC QLD 4006 Tel +61 7 3246 7555 Fax +61 7 3246 7590 www.jlta.com.au Certificate

More information

ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING

ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING Activities Industry Mutual Limited Registered in England No. 05372198. Registered Office: 7 Maltings Place, 169 Tower Bridge Road, London

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: AN A038364 PAD Claim Number: PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR TRIATHLON AUSTRALIA V-Insurance Group Pty Ltd Level 28, Angel Place, 123 Pitt Street, SYDNEY

More information

Accident & Health International Underwriting Pty Ltd GROUP PERSONAL ACCIDENT AND/OR SICKNESS. Product Disclosure Statement (PDS) and Wording

Accident & Health International Underwriting Pty Ltd GROUP PERSONAL ACCIDENT AND/OR SICKNESS. Product Disclosure Statement (PDS) and Wording Accident & Health International Underwriting Pty Ltd GROUP PERSONAL ACCIDENT AND/OR SICKNESS Product Disclosure Statement (PDS) and Wording This Product Disclosure Statement (PDS) contains two parts: Important

More information

Combined Product Disclosure Statement and Policy Wording. Group Injury & Sickness Insurance

Combined Product Disclosure Statement and Policy Wording. Group Injury & Sickness Insurance Combined Product Disclosure Statement and Policy Wording How is your insurance arranged? This insurance is issued/insured by: AIG Australia Limited (AIG) ABN 93 004 727 753 AFSL 381686 Level 12 717 Bourke

More information

Group Income Protection For Employees. Master Policy Document Issue Date 1 July 2011 (Updated 1 July 2014)

Group Income Protection For Employees. Master Policy Document Issue Date 1 July 2011 (Updated 1 July 2014) Group Income Protection For Employees Master Policy Document Issue Date 1 July 2011 (Updated 1 July 2014) Policy Schedule Insurer Policy Owner Policy Numbers Hannover Life Re of Australasia Ltd ABN 37

More information

PERSONAL ACCIDENT INSURANCE POLICY FOR Work Experience Employees

PERSONAL ACCIDENT INSURANCE POLICY FOR Work Experience Employees American Home Assurance Company ABN 67 007 483 267 AFSL No 230903 Incorporated with Limited Liability in the USA A Member of American International Group, Inc. PERSONAL ACCIDENT INSURANCE POLICY FOR Work

More information

At Fault Driver Injury Insurance Policy

At Fault Driver Injury Insurance Policy At Fault Driver Injury Insurance Policy At RACQ Insurance we are here to help you protect the things that matter most By choosing RACQ Insurance as your Compulsory Third Party (CTP) insurer of your vehicle,

More information

GROUP PERSONAL INJURY INSURANCE

GROUP PERSONAL INJURY INSURANCE CHUBB INSURANCE COMPANY OF AUSTRALIA LIMITED A.B.N. 69 003 710 647 A.F.S. Licence No: 239778 Citigroup Centre, Level 29, 2 Park Street, Sydney 2000 Telephone: 61-2-9273 0100 Facsimile: 61-2-9273 0101 DX:

More information

Individual Personal Accident & Sickness Insurance. Product Disclosure Statement & Policy Wording

Individual Personal Accident & Sickness Insurance. Product Disclosure Statement & Policy Wording Individual Personal Accident & Sickness Insurance Product Disclosure Statement & Policy Wording Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL No. 241141 Aon Product Design & Development Australia

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: SUA/002202 Claim Number: Willis Australia Limited ABN 90 000 321 237 AFS 240600 PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR TRIATHLON AUSTRALIA Willis Australia Limited

More information

AFFILIATE ORGANISATIONS INSURANCE

AFFILIATE ORGANISATIONS INSURANCE The Arabian Horse Society of Australia Ltd AFFILIATE ORGANISATIONS INSURANCE 31 December 2014-31 December 2015 The Arabian Horse Society of Australia Ltd (AHSA), together with Gow-Gates Insurance Brokers

More information

[ MAStech ] TOP TIPS FOR OVERSEAS PENSION SCHEME TRANSFERS

[ MAStech ] TOP TIPS FOR OVERSEAS PENSION SCHEME TRANSFERS [ MAStech ] TOP TIPS FOR OVERSEAS PENSION SCHEME TRANSFERS 30 BY DAVID BARRETT AND KELLY COX, MAStech DAVID Barrett & KELLY Cox Clients who have lived and worked overseas will often have benefits accrued

More information

MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM

MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter into

More information

ACE Group Personal Accident & Sickness Insurance Policy Wording & PDS

ACE Group Personal Accident & Sickness Insurance Policy Wording & PDS Group Personal Accident & Sickness Insurance Policy Wording & Product Disclosure Statement (PDS) 1 of 18 ABOUT ACE ACE Insurance in Australia is a member of the ACE Group of Companies, a global leader

More information

American Express Accident Cash Plan

American Express Accident Cash Plan American Express Accident Cash Plan Policy Wording and Product Disclosure Statement (PDS) Index Index 1 Important information about this Policy Wording and PDS 2 2 About the Insurer and the Promoter 2

More information

ACE Voluntary Workers Insurance Policy Wording & PDS

ACE Voluntary Workers Insurance Policy Wording & PDS Voluntary Workers Insurance Policy Wording & Product Disclosure Statement (PDS) 1 of 18 ABOUT ACE ACE Insurance in Australia is a member of the ACE Group of Companies, a global leader in insurance and

More information

Prize Indemnity Policy Wording

Prize Indemnity Policy Wording Prize Indemnity Policy Wording v12.15 Pen Underwriting Pty Ltd ABN 89 113 929 516 AFSL 290518 Our name comes from the expression to pass the pen. It reflects what we do and what we bring to the insurance

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: Claim Number: 01PO527349 PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR V-Insurance Group Pty Ltd Authorised Representative No. 432898 an authorised representative of Willis

More information

Hole In One Policy Wording

Hole In One Policy Wording Hole In One Policy Wording V03.14 Pen Underwriting Pty Ltd ABN 89 113 929 516 AFSL 290518 Our name comes from the expression to pass the pen. It reflects what we do and what we bring to the insurance industry

More information

GROUP PERSONAL ACCIDENT INSURANCE PROPOSAL

GROUP PERSONAL ACCIDENT INSURANCE PROPOSAL (65) 6338 7288 (65) 6338 2522 www.axa.com.sg GROUP PERSONAL ACCIDENT INSURANCE PROPOSAL Proposer : Singapore Management University (SMU) Intermediary : MYCG Pte Ltd Period of Insurance : 2 Academic Years

More information

Insurance. Who should read this? What you re covered for. What you should know up front. Why should I have Death, TPD and IP cover?

Insurance. Who should read this? What you re covered for. What you should know up front. Why should I have Death, TPD and IP cover? PSSap11 04/12 Insurance Who should read this? Members who want information about death, total permanent disability (TPD) income protection (IP) insurance. What you should know up front It is important

More information

GROUP ACCIDENT, ILLNESS AND TRAVEL INSURANCE PROPOSAL FORM

GROUP ACCIDENT, ILLNESS AND TRAVEL INSURANCE PROPOSAL FORM GROUP ACCIDENT, ILLNESS AND TRAVEL INSURANCE PROPOSAL FORM Cover does not attach until the Underwriters have accepted this proposal. Please supply the following details. Use Block Capitals and tick boxes

More information

GROUP PERSONAL ACCIDENT CERTIFICATE OF CURRENCY

GROUP PERSONAL ACCIDENT CERTIFICATE OF CURRENCY GROUP PERSONAL ACCIDENT CERTIFICATE OF CURRENCY This letter is to certify that our client s policy is current as detailed below and cover has been granted in terms of the Insurer s Standard Policy. The

More information

GROUP SHORT TERM DISABILITY INSURANCE PROGRAM State of Michigan - Department of State Police CERTIFICATE OF INSURANCE We certify that the Person whose name appears on the enrollment card attached to this

More information

Lloyd s Accident and Illness Insurance (UK)

Lloyd s Accident and Illness Insurance (UK) Lloyd s Accident and Illness Insurance (UK) You have applied to us for insurance and this document is the contract of insurance setting out the details of the insurance which you have requested. In deciding

More information

Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution)

Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution) Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution) Product Information This insurance plan will pay a lump sum benefit when the Insured Member sustains accidental

More information

DIRECT- Aviva Term Life Product Summary

DIRECT- Aviva Term Life Product Summary DIRECT- Aviva Term Life Product Summary 1. WHAT IS THIS PRODUCT ABOUT? This is an insurance protection plan for a chosen period of time. It provides you with basic benefits, comprising death benefit, terminal

More information

Masterpiece Signature Personal Insurance

Masterpiece Signature Personal Insurance Masterpiece Signature Personal Insurance Supplementary Product Disclosure Statement Issued 11 May 2015 This is a Supplementary Product Disclosure Statement (SPDS) which provides information about important

More information

MEDICAL ESTABLISHMENTS MEDICAL MALPRACTICE INSURANCE PROPOSAL FORM

MEDICAL ESTABLISHMENTS MEDICAL MALPRACTICE INSURANCE PROPOSAL FORM MEDICAL ESTABLISHMENTS MEDICAL MALPRACTICE INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter

More information

Voluntary Workers Personal Accident Insurance

Voluntary Workers Personal Accident Insurance Voluntary Workers Personal Accident Insurance Email: general@lumley.com.au Website: www.lumley.com.au MELBOURNE Level 3, 99 King Street Melbourne Vic 3000 Mail: GPO Box 2764 Melbourne Vic 3001 Phone: 03

More information

Australian Trainers Association Group Personal Accident Insurance Claim Form

Australian Trainers Association Group Personal Accident Insurance Claim Form ACE Insurance Limited ABN 23 001 642 020 28-34 O Connell Street Sydney NSW 2000 Australia GPO Box 4065 Sydney NSW 2001 Australia (02) 9335 3355 main (02) 9231 3697 fax www.aceinsurance.com.au A&H.claims.australia@ace-ina.com

More information