Income Protection Insurance

Provides cover for you 24 hours a day, 7 days a week for sickness and accident, excluding Workcover or similar legislation

It provides for 75% of your total gross earnings (including overtime), if you cannot work as a result of sickness or accident.It provides payment for a period of 104 weeks.

7 day waiting period for persons who have been contracted to the principal over 12 months where cover is provided under a group facility.

14 day waiting period period for persons in their first year with the principal or individual contractors.

The policy gives protection if you suffer from partial disablement, but are able to return to work in a reduced capacity.

Optional Workcover Top up
Indexation of claims benefits
Modification costs for vehicle or home $10,000
Cover for additional injuries caused by exposure
Payment of death benefit for disappearance
Rehabilitation costs up to $5,000
Funeral expenses $5,000
Emergency transport benefit $5,000

POLICY EXCLUSIONS INCLUDE

Claims arising from consuming alcohol where blood alcohol is greater than 0.1 parts per millilitre of blood

Claims attributable to any pre-existing sickness or injury