![]() ![]() The maximum total amount payable under a policy is the Life cover amount listed on the Policy Schedule. The minimum cover amount for Critical Illness cover is $50,000, and $100,000 for Life cover and Permanently Unable to Work cover. ![]() The Critical Illness cover amount and Permanently Unable to Work cover amount can’t exceed the Life cover amount. Maximum cover amounts apply and are dependent on your age at the time of application. ![]() You can cancel the policy within 30 days of receiving the first Policy Schedule (“cooling off period”) by contacting us and we will refund any premiums paid unless a claim has been or can be made under the policy. Refer to the Policy benefits ‘Permanently Unable to Work cover’, ‘When a Permanently Unable to Work benefit will be payable’ and ‘When is a benefit not payable (policy exclusions)?’ sections in the Product Disclosure Statement for full details. We won’t pay a Permanently Unable to Work benefit where the condition is intentionally self-inflicted. To apply for Permanently Unable to Work cover you must be working on a permanent basis in an eligible occupation type for at least 20 hours per week. are unlikely ever to work again in any occupation for which you are suited based on your work experience, education and any training you’ve had.been continuously unable to work for a period of at least 90 consecutive days and.Provides cover if, solely because of Sickness or Injury, you suffer a defined Major Physical Impairment, or you have: Refer to the Policy benefits ‘Critical Illnesses cover’, ‘When a Critical Illness benefit will be payable’ and ‘When is a benefit not payable (policy exclusions)?’ sections of the Product Disclosure Statement for full details. We won’t pay a Critical Illness benefit where the Critical Illness is intentionally self-inflicted. In some cases, a 90-day exclusion period applies. Each has a specific definition as outlined in the Product Disclosure Statement. Refer to Policy benefits ‘Life cover’ and ‘When is a benefit not payable (policy exclusions)?’ sections of the Product Disclosure Statement for full details.Ĭritical Illnesses covered under this product are certain types of Vascular Disease, Cancer of specified severity, Degenerative Diseases, Cardiac Surgery, and Major Organ Failure. Terms, conditions, limits and exclusions apply. This requires the written opinion of a Specialist supported by reasonable medical evidence in relation to your life expectancy. Premiums may vary depending on lifestyle, age and health risk factors.Ī Terminal Illness means a Sickness which is likely to result in your death within 24 months. “$10.50 a week" as at 3 November 2022: Provisional quote based on 39 year old, non-smoking male for $500,000 life cover. “Risk & Life Insurer of the Year” Roy Morgan Research Customer Satisfaction Awards 20 ![]()
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