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Personal Accident & Sickness Cover


Tradies Insurance, for when "shit happens"

  •  Accidental Death
  • Capital Benefit(s) Cover
  • Permanent Total Disablement
  • Temporary Total Disablement
  • Temporary Partial Disablement

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The following is a summary of some of the features, benefits and risks of Personal Accident & Sickness. Please read the PDS and the Policy carefully before you apply for this insurance, to make sure that you understand the cover provided and its terms, conditions and exclusions.

Personal Accident & Sickness Cover

 

Depending on what cover You decide to purchase, the Personal Accident & Sickness Policy can provide benefits for: –

  1. Accident
  • Accidental Death
  • Capital Benefit(s) Cover
  • Permanent Total Disablement
  • Temporary Total Disablement
  • Temporary Partial Disablement
  • Broken Bone Benefit
  • Sickness
  • Temporary Total Disablement
  • Temporary Partial Disablement Payments

 

The Personal Accident & Sickness Policy provides for three different types of payments:

  • Lump Sum Benefits – Refer to Table of Benefits
  • Weekly Benefits – these apply to Temporary Total
  • Disablement and Temporary Partial Disablement by Accident or Sickness.
  • Broken Bone Benefit – refer to PDS

 

EXCLUSIONS

Personal Accident & Sickness does not cover all possible risks in life. The Policy contains exclusions to ensure that premiums remain affordable, but this also means that the insuerer will not pay claims arising from certain causes.

All of these are fully described in the Policy but can be summarised as the key exclusions;

  • Pre-Existing Conditions
  • War & Terrorism
  • Nuclear/Chemical/Biological Terrorism
  • Certain hazardous & excluded activities
  • Air Travel (other than as a passenger)
  • Professional Sport
  • Suicide & Intentional Self-Injury
  • Exposure to exceptional danger
  • Criminal Acts
  • Alcohol or Drugs
  • Pregnancy & Childbirth

 

CONDITIONS

 

The Policy contains conditions which limit or exclude the cover available in certain circumstances. The conditions are fully explained in the Policy but can be summarised as:

  • Hazardous activities;
  • Aggravation by Pre-Existing Conditions;
  • Other Insurance.

 

LIMITATIONS

The Policy contains provisions that limit the maximum amount(s) payable in the event of Accident or Sickness. Additionally, You can only claim for the consequences of an

Accident or Sickness if these occur within 12 months from the date of the Accident or Sickness.

No Benefit shall be payable where providing such payment would result in Us contravening the Private Health Insurance Act 2007 (Cth), the Health Insurance Act 1973 (Cth), the National Health Act 1953 (Cth) or any applicable legislation.

Why Use Insure Tradies

We offer quality advice with the backing of Steadfast and Ausure. 

Our partnerships mean we can negotiate competitive premiums with the big insurance companies.

IF YOU ARE UNSURE OR WANT TO SPEAK TO A BROKER, OR TALK TO OUR TEAM

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information.

You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

“By using our service, rather than going to Insurers directly for Insurance, you will receive quality advice and a policy that covers all aspects required. In the unfortunate event of a claim, we will also liaise with the Insurers on your behalf to take the burden off you, and to work towards a fast and satisfactory outcome”
– Founder Steve Sloan

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Personal Accident & Sickness Insurance for when "shit happens".

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

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