Personal Accident And Sickness
Your income is Your most valuable asset
Your income is the most valuable asset that you have, without your income you would have no money to pay for or sustain your other assets, such as you home, car or even afford to put food on the table to care for your family.
The intention of our TBI Personal Accident & Sickness policy is to provide a short-term income stream should you be unfortunate enough to have suffered a new injury or illness that prevents you from working, earning and income.
The intention of our TBI Personal Accident & Sickness policy is to provide a short-term income stream should you be unfortunate enough to have suffered a new injury or illness that prevents you from working, earning and income.
- Agreed Value or Indemnity Benefit amounts available
- No Medicals required to join
- No Financials required to join
- Ages 16 to 70 years old
- Agreed Value Benefit Paid at 100% (Excluding EBA Agreements)
- Indemnity Value Benefit Paid at 85% (Excluding EBA Agreements)
- Waiting Period 14 Days
- Cover 365 days a year 24/7
- Benefit Period 104 weeks
- $100,000 Accidental Death Benefit (Accident Only)
- Mental Health Benefit
Cover for over 70 years is available subject to acceptance by insurer)
PREMIUM PAYMENT
- Monthly deductions via Bank deduction
- Annual premium can be paid in full via banking details as per invoice
MOTOR BIKES
- Recreational use Only
- Unlimited CC’s
(Excludes racing and organised events, Trials, Track days)
AMATEUR SPORTS
COVERED
- All codes of amateur football such as AFL, rugby league and rugby union
- Recreational Snow/Water Skiing
QUICK CLAIMS
- Within 72 hours of claim submission to insurer, you will be advised if claim is to be accepted, declined or more information is required
- Claims can be submitted electronically via website
- Insurer will call claimant direct to assist and manage a claim
- All claims managed in Australia by experienced claims staff
GENERAL EXCLUSIONS
Some of the policy General Exclusions are as follows, however, we recommend you read the relevant Insurance Policy Wording (PDS) for a comprehensive list of all exclusions, please email us to request a copy of the policy wording/PDS.
- Pre-Existing Conditions: means any medical condition, side effect or symptom of a condition for which You were aware, or which a reasonable person in Your circumstances could have been expected to be aware, or for which You have undergone tests, or required treatment or advice from a medical practitioner, chiropractor or physiotherapist, or for which the Insured has taken prescribed drugs prior to commencement date of cover under this policy.
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.
- Terrorism Any act of terrorism, or any action taken in controlling, preventing, suppressing or in any way relating to an act of terrorism.
- Radioactivity Radioactive contamination, nuclear reaction, nuclear radiation.
- Nuclear/Chemical/Biological Terrorism
- Driving a motor vehicle whilst having a percentage of alcohol in Your breath or blood in excess of that permitted by law;
- Professional sporting activities, which includes participation in, or training for, any such activity;
- This Policy does not cover any claims arising directly or indirectly from; racing of any kind, other than on foot, or any combat sports (including but not limited to full body contact Boxing, Wrestling or Martial Arts), or mountaineering, rock climbing, speleology, sky-diving, hang gliding, bungee jumping, or motor sports or recreations involving heights or Underwater sports (including but not limited to scuba diving).