D-Pax Insurance. Live life full on

Transcription

1 D-Pax Insurance Live life full on

2 Live life full on. Whether you re at sea or ashore, you want to be able to live life to the full. With D-Pax, the new comprehensive Personal Accident Insurance package from AIG, you can do just that, safe in the knowledge that you and your family are financially covered. Accidents and injuries are a part of life. It doesn t matter if you re in the middle of a combat zone or enjoying a well-earned break at home, the only thing you can be sure of is that when an accident does happen, it can not only cause pain and inconvenience, it can also cost you a lot of money. Life s too short to waste time and energy worrying about what might or might not happen. You just want to get out there and live it, and that s where D-Pax comes in. Eligibility This insurance is only available to: Members of the Australian Defence Force, both permanent and reservists; Employees of the Department of Defence, DFAT and the Attorney General s Department, and other departments that assist or advise the Defence Department or the broader defence community; Civilians whether as individuals, contractors or employees of companies who work for, advise or assist the broader defence community. 24/7 cover. With D-Pax, you ll receive tax-free cash payments for a wide range of injuries or accidental death, whether they ve occurred at work, at home or just about anywhere else. D-Pax provides comprehensive cover, 24 hours a day, seven days a week. On duty, off duty, in a high-risk location, or in your back yard. On exercise, playing sports or relaxing with the family. It even covers you for injuries due to nuclear, chemical and biological attacks or terrorist activity when you re in service.

3 Tax-free cash payments With D-Pax, you re covered for serious injuries including permanent disabilities, fractures and burns. We ll even provide a cash allowance for bed care and rehabilitation if required. You can use the cash payment any way you see fit to help pay medical bills, purchase equipment for rehabilitation or enjoy some rest and recuperation. What s more, benefits are paid in addition to any other health or third party insurance or entitlements you may have, like Workers Compensation or Private Health Cover. Additional Benefits Home Renovation Benefit If you are required to modify your home due to an accident (eg. having to install ramps, guide rails), we will pay 80% of the cost incurred for such modification to a maximum of $10,000. Spouse & Dependent Child Benefit A Spouse Benefit of up to $5,000 and a Dependent Child Benefit of $5,000 per child (maximum of 3 children) is payable if you suffer permanent paraplegia or quadriplegia, or accidental death. Accidental HIV Benefit Up to $25,000 will be paid if you should accidentally contract the HIV Virus, under certain circumstances.

4 Choose the cover that s right for you. With D-Pax, you can select the cover that best suits your particular situation and needs. And if your situation changes, you can alter your cover with one phone call and immediate effect. Individual or family cover If you re single, the decision is easy. Just choose individual cover and decide whether you need the Optional Extension - High-Risk Location Cover (see below). If you have a spouse and/or children, you can take the family cover and get them covered too. Standard or Standard with Optional High Risk Location cover There are two types of policy combinations available: Accidental Injury and Death Benefits without High Risk Location Cover Accidental Injury and Death Benefits with High Risk Location Cover You can switch between these policy types if and when you need it by phoning AIG before you leave Australia. If policy type with High Risk Location Cover is selected, the compensation payable in any High Risk Location will be 50% of the sum insured set out for events occurring in the High Risk Location. There is no waiting period to activate the optional extension. D-Pax. Features at a glance. Accidental death benefit on all plans Option to extend cover if and when you need it before you leave Australia for you whilst in a High Risk Location No stand-down or waiting period for Optional Extension - High Risk Location cover Cover applies 24 hours a day, 7 days a week Your spouse and children can also be covered 4 levels of cover to choose from Credit card or direct debit payment options available Get immediate cover, in one simple step. D-Pax Insurance is available immediately. Simply fill out the enclosed Application Form and choose if you want to pay by Credit Card Direct Debit. Then submit the form by using the Reply Paid envelope provided. (no stamp required). If you have any questions, or need help completing the application form, please contact AIG on (Monday to Friday, 8am to 6pm AEST). Because regular service personnel are anything but regular.

5 Supporting ADF personnel and their families for over 10 years Additional Information: This brochure is a brief summary only and may contain general advice. Full details of the benefits, terms and conditions and exclusions that may apply are specified in the Product Disclosure Statement (PDS) and Policy Wording. You should read the PDS to ensure that the cover provided meets personal needs and objectives. AIG Australia Limited (AIG) ABN AFSL Copyright JM 12/0008.1