Personal Accident – Volunteer Workers Insurance
This insurance protects the most important asset of your organisation, your volunteers.
The policy will provide Volunteer Workers, Committee Persons, Board Members and all other elected officials with financial compensation should such persons sustain personal injury whilst working for and on behalf of a club or community group.
The policy allows specific payments for death, loss of limbs and permanent and partial disablement.
Policy – Section D Injury Assistance:
- Out of Pocket Expenses – reimbursement of 100% of all non-medical related expenses incurred as a result of personal injury (eg. Home Help, travelling costs and the like);
- Non-Medicare Medical related Expenses Benefit – reimbursement of 100% of all non-Medicare expenses incurred as a result of personal injury.
The maximum amount payable for Policy Extensions (i) and (ii) resulting from any one claim is $10,000.
PLEASE NOTE SECTION D (ii) IS ONLY PAYABLE AS PERMITTED BY SECTION 67 OF THE NATIONAL HEALTH ACT 1954 AND THE REGULATIONS ATTACHING TO THE ACT.
This policy covers volunteers up to 85 years of age anywhere in Australia.
There is no waiting period in respect claims for loss of wages.
Policy Exclusions
- War; Terrorism;
- Driving vehicle under the influence of liquor;
- Whilst training or competing in any organised sport;
- Flying other than as a fare paying customer of a recognised airline;
- Suicide;
- Driving or riding in any race;
- Motor cycling;
- Childbirth, pregnancy.
NOTICE
In accordance with our obligations under the Corporations Act 2001, we have a Financial Services Guide (FSG) that explains the services we provide. It will assist you in determining whether to use any of these services.
General Advice Warning (GAW)
We have provided you with general advice and not personal advice about the insurance policy/ies. In doing so, we have not taken into consideration your specific objectives, financial situation or needs. Therefore, you should immediately review the advice together with your policy documentation to determine if they are appropriate to your personal circumstances and requirements.
If we assist you to acquire an insurance policy, or we offer to issue or arrange to issue you with an insurance policy, we may also provide you with a Product Disclosure Statement (PDS) and/or Policy wording containing information that will enable you to make an informed decision about the acquisition of that policy.
Volunteer Workers – PDS and Accident & Health Insurance Policy
View Volunteer Workers – PDS and Accident & Health Insurance Policy (1.99MB)
Endorsements to the policy
The following endorsements apply to the Volunteer Workers – PDS and Accident & Health Insurance Policy PDF document:
Page 6
Definition of “voluntary work” is amended to read as follows:
“Voluntary Work” – voluntary work performed on behalf of you and includes necessary direct travel to from and during such voluntary work and where the performance of voluntary work does not receive any remuneration. The reimbursement of reasonable expenses incurred whilst performing voluntary work does not constitute remuneration.
Page 9
- Section D – Injury Assistance Benefit is amended to read as follows:
OUT OF POCKET AND NON MEDICARE MEDICAL EXPENSES BENEFIT
(APPLIES TO PERSONS ACTING IN A VOLUNTARY CAPACITY ONLY)
Should an Insured Person suffer Injury We will reimburse 100% of Out of Pocket and Non Medicare Medical Expenses incurred to a maximum of $10,000.
This policy only pays those benefits as permitted by Section 67 of the National Health Act 1954 and the Regulations attaching to the Act.
“Non Medicare Medical Expenses” means expenses paid by an Insured Person occurring within twelve (12) calendar months of the date a claim is accepted for:
- Physiotherapy;
- Ambulance Services;
- Medical Supplies;
But excluding the cost of dental treatment unless such treatment is necessarily incurred to sound and natural teeth and is caused by Injury.
“Out of Pocket Expenses” shall mean reasonable and necessary expenses incurred as a result of injury where the insured person has suffered a financial or economic loss which is not recoverable from any other source.
In the event of an Insured Person becoming entitled to a refund or all or part of such expenses from any other source We will only be liable for the excess of the amount recoverable from such other source.
We shall not be liable for any payment in respect of the rendering of a professional service for which Medicare benefit is, or would be payable in accordance with the Health Insurance Act.
Page 10
When you are not covered/General conditions
Additional Exclusions applying to this policy
- Delete: paragraph at end of point 7
- We will not pay for any claim under any section of the Policy if:
- The Insured Person is over 80 years of age.
- The Insured Person is under 12 years of age.
- Replaced by:
- We will not pay for any claim under any section of the Policy if:
- The Insured Person is over 85 years of age.
This description is issued as a matter of information only and for full terms and conditions you should refer to the policy wording.
We accept no responsibility whatsoever for any inadvertent or negligent act, error or omission on our part in preparing these statements or for any loss, damage or expense thereby occasioned to any recipient of this letter.
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