Group Life and GSC Product

Employees and members may automatically receive any increase in AAL, including those that have been previously underwritten and have been declined, loaded or excluded for cover above the previous lower AAL, unless otherwise stated in the Policy Schedule.

When cover ends for an Insured Person, they may be able to apply for a death and TPD individual policy with us without medical underwriting.

Up to 24 months continuous cover whilst on employer approved leave, without the need to be approved by us.

A lump sum benefit is paid if an Insured Person dies.

Up to 60 days additional cover after Insured Person ceases to be an employee.

Provides cover for both illness and injury during Underwriting.

Voluntary ‘top up cover’ available as a result of change to individual circumstance i.e. marriage, new child, and mortgage.

Exclusions only apply to Voluntary Cover and Life Events Cover.

Standard death and TPD cover is available to Permanent Employees irrespective of minimum hours worked.

A lump sum benefit is paid if the Insured Person becomes terminally ill.

A lump sum benefit is paid if the Insured Person becomes TPD.

Premiums in respect of underwriting loadings are waived for cover which is not Voluntary Cover, reducing costs and simplifying administration.

Flexible TPD definitions are available to cover Contractors, Spouses and Casual Employees.

Cover is provided 24 hours a day, all year round, with no restrictions on location or time spent overseas, subject to meeting certain conditions.

Employees and members may automatically receive any increase in AAL, including those that have been previously underwritten and have been declined, loaded or excluded for cover above the previous lower AAL, unless otherwise stated in the Policy Schedule.

Cover is available for any Contractors with a written contract for services with an Employer for a minimum of 15 hours per week for a continuous 6-month period.

Up to 24 months continuous cover whilst on employer approved leave, without the need to be approved by us.

A lump sum of 3 times the Total Disability Benefit will be paid if an Insured Person dies while receiving a Total Disability Benefit or a Partial Disability Benefit.

benefit The Total Disability Benefit or a Partial Disability Benefit payable will increase each anniversary year of first payment by the lower of CPI and 5%.

Provides cover for both illness and injury during Underwriting.

Cover is available for eligible Permanent Employees regardless of the number of hours they work each week.

A portion of the Total Disability Benefit will be paid if an Insured Person has reduced working capacity due to illness or injury.

A waiting period will not apply to a claim if it relates to the same or related illness or injury from which a member has received a Total Disability or Partial Disability payment in the last 6 months.

We may pay some or all of the costs involved with a rehabilitation or return to work program for an Insured Person.

Provides a benefit covering the cost of employer superannuation contributions for whom we are paying either a Total Disability Benefit or Partial Disability Benefit.

A monthly benefit will be paid if an Insured Person is unable to work due to illness or injury.

A monthly benefit will be paid if an Insured Person is unable to work due to illness or injury.

Cover is provided 24 hours a day, all year round, with no restrictions on location or time spent overseas, subject to meeting certain conditions.

A benefit will be paid to cover accommodation costs if an Insured Person requires an immediate family member to take care of them while the Insured Person is confined to bed and is staying more than 100 kilometres from home.

An additional benefit will be paid where an Insured Person is Totally Disabled and confined to bed, if a family member suffers a loss of income due to having to care for the Insured Person.

An alternative to the Family Care Benefit, an additional benefit will be paid where an Insured Person is Totally Disabled and confined to bed, and decides to rely on a professional home carer instead of a family member.

A benefit will be paid if an Insured Person is confined to bed and under the care of a registered nurse, during the waiting period.

A lump sum will be paid if an Insured Person suffers one of the listed Specific Injuries.

A lump sum benefit will be paid if an Insured Person suffers one of the listed Trauma conditions.