Personal Accident – Volunteer Workers Insurance
Personal Accident (Volunteer Workers) insurance provides cover for volunteers working for your group in an official capacity, e.g. committee members, fundraising, organising activities or assisting at events as well as direct travel to and from these activities including committee meetings. The policy will provide volunteers with financial compensation should they sustain personal injury whilst working in a volunteer capacity for your group. You should consider keeping a register of volunteers and officials and when they are engaged in activities on your behalf.
The cover triggers on injury whilst performing the volunteer work.
This compensation takes the form of payment for lost wages for up to 104 weeks whilst the volunteer is unable to work at their normal job.
The policy also allows lump sum benefits from death, loss of limbs and permanent partial disablement.
Policy Extensions:
Injury Assistance Benefit – 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 Expenses Benefit – reimbursement of 100% of all non-Medicare medical expenses incurred as a result of personal injury.
NOTE: This benefit may not be payable to all injured volunteers. Cover in this area is regulated by the [Commonwealth] Private Health Insurance Act 2007 and the Rules attaching to the Act.
The maximum amount payable for Policy Extensions (i) and (ii) resulting from any one claim is $10,000.
This policy covers volunteers 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
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 7
Section A – Capital Benefits
What we will not pay
Additional dot point included
Notwithstanding the Capital Benefit amount shown on the Tax Invoice/Schedule where an insured person is over 85 years of age this Capital Benefit amount is reduced to $10,000.
Page 8
Section B – Weekly Benefits – Injury
What we will not pay
Additional dot point included
Notwithstanding the Weekly Benefit amount shown on the Tax Invoice/Schedule where an insured person is over 85 years of age no Weekly Benefit amount is payable
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 amount of $10,000.
This policy only pays those benefits as permitted by the [Commonwealth] Health Insurance Act 2007 and the Rules 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 hospital treatment or relevant health services as defined by the Act.
“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.
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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