Personal Accident or Personal Accident and Illness Insurance
THE POLICY
Catholic Church Insurances Limited's Personal Accident or Personal Accident and Illness insurance is personal accident protection for our key people within the church. Loss of these people from their usual activities will mean that you will need to substitute the person and pay the market rates for replacement of such personnel.
This insurance provides lump sum and weekly benefits for events caused from an accident or illness. The provisos in the policy wording should be read carefully as they set out the limitations in terms of maximum compensation payable under the policy.
You may purchase accident only cover or accident and illness cover, depending on your needs.
WHO NEEDS THIS COVER?
Most of Catholic Church Insurances Limited's Personal Accident or Personal Accident and Illness insurance is taken by schools, hospitals and welfare organisations.
DEDUCTIBLES/EXCESS
Generally no excesses apply to this product, however for an illness benefit to be payable a seven day franchise will apply.
LIMITS OF LIABILITY
Liability is limited to:
- Capital Sum Insured.
- Weekly Benefit for injury.
- Weekly Benefit for Illness.
- Capital benefit for Blindness and Paralysis (as a result of illness).
Please note - cover for Medical (and associated expenses) cannot be provided under this Personal Accident General policy, due to legislation which prohibits us from doing so.
STAMP DUTY and GST
Stamp duty is added to premiums with the amount varying from state to state. GST is applied to policies issued to individuals and non-exempt Church Institutions.
FEATURES and BENEFITS
- 100% of Capital Benefit for death, loss of sight in both eyes, loss of both feet/hands, and permanent disablement.
- 100% of Weekly Benefit for total disablement from attending to usual occupation.
- 25% of Weekly Benefit for partial disablement.
- 100% of Weekly Benefit for Illness.
- 100% of Blindness or Paralysis Sum Insured (as a result of Illness).
OPTIONS/EXTENSIONS
Weekly Benefits are limited.
IMPORTANT POINTS
- Catholic Church Insurances Limited is not a registered health fund and therefore the Federal Health Act prohibits Catholic Church Insurances Limited from paying any medical expenses under this policy.
- The maximum claimable amount under the policy per event is limited to the Capital Sum Insured or the Weekly Benefit whichever is the higher amount.
- If the insured person is aged over 55 years, then accident and illness cover may not be provided.
- If the insured person is aged over 65 years then accident only cover may not be provided.
TAKING OUT A POLICY
Catholic Church Insurances Limited will assist in obtaining information necessary for providing a quotation or issuing a policy.
Claims should be lodged with Catholic Church Insurances Limited by telephoning 1300 655 001 as soon as possible.
Please note: this information sheet is not intended to replace the policy wording. It is designed for information purposes only and should be read in conjunction with the policy wording. For further information or a full copy of the policy wording please contact Catholic Church Insurances Limited on 1300 655 001.
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