In the unfortunate event of an injury or sickness, we provide comprehensive income protection coverage to support you during your recovery. For the initial six weeks, we offer full coverage, ensuring that you receive 100% of your income during this critical period.

Following the initial six weeks, we understand that flexibility is important. That's why we offer you a choice between two options for ongoing income protection. You can select either 85% or 75% of your income, depending on what best suits your needs and circumstances.

We recognise the financial impact that an injury or sickness can have, and our goal is to provide you with the necessary support to maintain your financial well-being during this challenging time.

Rest assured that whichever option you choose, we are committed to helping you navigate through this difficult period and regain stability in your life.

Our insurance coverage is designed to provide you with peace of mind and protection no matter where you are in the world. With our policy, you have 24 hours a day, 7 days a week, and 365 days a year worldwide cover.

Whether you're at home, traveling abroad, or even in remote locations, our coverage remains in effect to ensure you receive the support you need, whenever you need it. We understand that life doesn't adhere to a specific schedule, and emergencies or unexpected events can happen at any time.

With our comprehensive worldwide cover, you can have confidence knowing that our assistance and benefits are available to you around the clock, regardless of your location.

Our commitment is to provide you with reliable coverage that transcends borders, ensuring your well-being and security no matter where your life's journey takes you.

We understand that everyone's needs and preferences vary when it comes to insurance coverage. That's why we offer you the flexibility to choose between two policy options: a 52-week or 104-week benefit period.

The 52-week policy offers protection and support during a shorter period, which may be suitable for those who prefer a more compact coverage period. On the other hand, the 104-week policy extends the protection and support over a longer period, allowing for additional peace of mind and security. Both policy options are designed to provide you with financial assistance in the event of injury, sickness, or other covered circumstances.

Our aim is to offer you choices that suit your unique situation, providing you with the confidence and assurance that you are covered according to your specific needs.

We understand that everyone's needs and circumstances are unique. That's why we offer the flexibility to choose from different waiting periods when creating your policy. You can select from waiting periods of 14, 28, 60, or 90 days to tailor your coverage to best suit your specific requirements.

A waiting period refers to the time between the start of your claim and when your policy benefits are activated. By allowing you to choose the waiting period that aligns with your needs, we provide you with the ability to balance your premium costs and the timing of coverage activation.

If you prefer a shorter waiting period, such as 14 or 28 days, your coverage will begin sooner, ensuring you have protection against unexpected events in a relatively shorter period of time. On the other hand, opting for a longer waiting period, such as 60 or 90 days, may result in lower premium costs.

Our aim is to offer you the flexibility to create a policy that aligns with your specific needs and provides the appropriate balance between coverage and affordability.

In times of critical illness, we understand the importance of immediate financial assistance.

Additionally, we understand that some individuals may desire different coverage to ensure greater financial protection. That's why we offer lump sum protection ranging from $0 to $50,000. This allows you to customise your coverage based on your specific needs and preferences.

By offering this flexible coverage option, we aim to provide you with the financial resources necessary to address the impact of a critical sickness. The lump sum payment can be used in various ways, such as covering medical expenses, making necessary lifestyle adjustments, or supporting your family during your recovery journey.

Our priority is to support you in every possible way during difficult times. With our Critical Sickness coverage we ensure that you have the financial protection and peace of mind you deserve.

In the devastating event of death or critical injury, we offer a lump sum coverage ranging from $0 to $100,000 providing immediate financial support to your loved ones or yourself during this difficult time.

We understand that different individuals have varying financial needs and priorities. To accommodate this, we offer the option to select the lump sum benefit to ranging from $0 to $100,000. This gives you the flexibility to customise your coverage based on your specific circumstances and desired level of financial protection.

By offering this flexible coverage option, we aim to provide you and your family with the financial resources necessary to cope with the financial impact of a tragic event. The lump sum payment could be utilised to cover funeral expenses, outstanding debts, ongoing living expenses, or any other financial obligations that may arise.

Our goal is to offer you peace of mind and security, knowing that you and your loved ones will be financially supported in the face of adversity. With our Accidental Death and Critical Injury lump sum coverage, we strive to provide the comprehensive protection you need during these challenging times.

We understand that any sickness can be challenging, not just for the insured individual but also for their spouse/partner or dependent children. In such circumstances, if your spouse/partner or dependent children are diagnosed with a defined sickness and a doctor certifies that either the insured or their spouse/partner is unable to carry out domestic duties, we offer a Family Cover benefit.

We recognise the importance of maintaining a well-functioning household during challenging times. Domestic help could cover home cleaning and maintenance, meal services, additional child care etc. Under this benefit, we will cover the actual and reasonable costs incurred for hiring domestic help up to $300 a week for a period of 26 weeks.

By doing so, we hope to alleviate some of the burdens associated with day-to-day household tasks, allowing you and your family to focus on everyone’s health and well-being.

The Financial Planning Benefit offers support to individuals with approved claims for mental health or serious medical conditions lasting over 26 weeks. You may receive guidance from an approved Financial Planning Provider to enhance your financial well-being through informed decisions. This service can provide up to $3,500 in assistance.

In addition to our comprehensive coverage, we also offer built-in benefits specifically designed to provide support in the event of fractured bones. We understand that fractures can be traumatic and also restrict your lifestyle and may require additional care and assistance during the recovery process.

Our goal is to support your recovery, both physically and financially, allowing you to focus on healing and getting back to your normal life.

In the event of an accepted claim, we are committed to supporting your journey towards recovery and getting back to work.

We offer coverage for participation in return to work programs, retraining programs, or rehabilitation programs.
Our aim is to ensure that you receive the necessary tuition and guidance to facilitate your successful return to the workforce.

Under this benefit, we provide coverage for expenses related to these programs, up to a maximum amount of $5,000. Subject to the terms and conditions of the policy.

Throughout the period of insurance, if you sustain a defined injury for which a benefit is paid, we are here to support you.

We will cover the essential costs associated with modifying your principal home, which may include installing ramps for wheelchair access, guide rails, emergency alert systems, and other disability aids.

Additionally, we will also provide coverage for modifying your personal motor vehicle. In cases where it is necessary, we will assist with the expenses related to relocating you to a more suitable home.

We understand the importance of creating an accessible and accommodating environment for your well-being, and we are dedicated to providing up to $10,000 to cover these necessary modifications and associated costs.

If you have an accepted claim and have membership in a professional association, union, industry body, or a similar organisation directly linked to your employment, we offer reimbursement for these expenses.

Simply provide us with the actual tax invoices, and we will reimburse you up to a maximum amount of $250 per membership. We understand the importance of professional connections and affiliations in your career, and we want to ensure that you are supported during your recovery period.

In the event that you experience an injury or sickness, eligible for benefits under your policy, we will promptly provide you with an advance payment equivalent to thirteen (13) weeks of benefits.

This immediate financial support is designed to assist you during challenging times. All we require is medical documentation from a qualified doctor, certifying that your temporary total disablement is expected to last at least twenty-six (26) weeks.

By offering this advance payment, we aim to alleviate any immediate financial burdens, allowing you to focus on your recovery and well-being.

In the event of an accepted claim, we understand that your ability to commute to work may be affected. To assist you during this time, we offer a transport reimbursement benefit.

If you provide medical evidence from a doctor certifying that you are unable to operate a motor vehicle or use other available modes of public transport, we will reimburse your reasonable actual transport costs to the maximum amount under the policy.

Our goal is to ease the financial burden and ensure that you can continue to commute to and from work comfortably during your recovery period.

Once you've been receiving a weekly benefit for twelve (12) months it will increase by 5% for the remainder of your claim. This means that your coverage will grow over time, ensuring it keeps up with inflation and provides even better financial support.

Our aim is to protect your financial well-being, and this annual increase ensures that your coverage remains effective and relevant throughout the policy duration.

If, heaven forbid, there's an accident and your body isn't found within twelve (12) months, we will presume it as an accidental death, and the specified accidental death benefit will be paid to your designated beneficiaries.

Your family's financial security is paramount, and we aim to provide you with peace of mind, knowing that we are here to support you and your loved ones through any challenges that may arise.

In the event that you sustain an injury due to being exposed to the elements during the period of insurance, and you experience any of the events covered in your policy, we will provide benefits in accordance with the terms outlined under your policy.

This coverage ensures that you are protected and supported in case of any injuries resulting from exposure to adverse weather conditions or environmental factors.

Rest assured that we are committed to your well-being and will provide the necessary benefits to assist you during such circumstances, as specified in the policy conditions.

Receive cover if you accidentally contract HIV, Hepatitis B, or Hepatitis C due to a violent physical attack by another person, or if you acquire these infections while receiving medical treatment from a qualified doctor or nurse for an injury or sickness.