Personal Accident - Voluntary Worker Insurance

Endorsements: Personal Accident - Voluntary Worker Insurance 

Endorsements are changes made to the base Policy Wording that customise it to fit the needs of most community groups. These changes expand the coverage provided by the policy, but there are still certain activities or situations that are not covered, known as Exclusions.

It’s important to note that these Exclusions are not meant to avoid paying claims, but rather they exist because certain activities or risks are not insurable (such as intentional injury, suicide, war, terrorism), are against public interest (like being under the influence of alcohol or drugs), or are better covered by a specialised Insurance Policy (such as flying in an unlicensed aircraft).

What’s important to know is that this Policy can help provide coverage for volunteers while undertaking most activities when acting on behalf of a community groups The endorsements to this Policy are shown in the section headed Policy Extensions, the standard Policy exclusions are listed under the heading Exclusions further down this page.

Accidental Death and Capital Benefit:

The benefit payable is an amount calculated by applying the benefit percentage to the sum insured shown in the Policy schedule against Part A — Accidental Death and Capital Benefits.

• Accidental Death 100%

• Permanent Total Disablement 100%

• Permanent paraplegia, quadriplegia or incurable paralysis of all limbs 100%

• Permanent and total loss of sight in one or both eyes 100%

• Permanent and total loss of use of one or both limbs 100%

• Permanent and incurable insanity 100%

• Permanent total loss of hearing:

1. in both ears 100%

2. in one ear 60%

• Permanent and total loss of the lens of

1. both eyes 100%

2. one eye 60%

• Permanent and total loss of use of four fingers and the thumb of:

1. both hands 100

2. either hand 80%

• Permanent disfigurement from:
1. third degree burns which cover more than 20% of the entire external body 50%
2. second degree burns which cover more than 20% of the entire external body 25%

• Permanent and total loss of use of four fingers of either hand 50%

• Permanent and total loss of use of one thumb (both joints) 40%

• Permanent and total loss of use of one thumb (one joint) 20%

•Permanent and total loss of use of one finger:
1. all three joints 15%
2. two joints 10%
3. one joint 5%

• Permanent and total loss of use of all toes of either foot 15%

• Permanent and total loss of use of toes (per toe)
1. both joints of the great toe 5%
2 .one joint of the great toe 3%
3. all joints of any toe other than the great toes 1%

• Fractured leg or patella with established non-union 10%

• Shortening of the leg by at least 5cm 7.5%

• Permanent disablement not otherwise provided for above through Injury Types 2–18 inclusive Such percentage of the capital benefit sum Insured which corresponds to the percentage reduction in whole bodily function as certified by no less than three medical practitioners, one of whom will be the Insured person’s treating medical practitioner and the remaining two will be appointed by us. In the event of a disagreement payable will be the average of the three opinions. The maximum amount we will pay is 75% of the capital benefit sum Insured.

Exclusions:

These Exclusions mean that the Insurer may not provide coverage for death, injury, or disability in the following circumstances:

• Deliberate, illegal, or criminal acts committed by or on behalf of an Insured person, or with their consent or direction.

• Use of the Insured person's personal motor vehicle that violates the terms of the applicable comprehensive motor vehicle Insurance Policy.

• Using a motor vehicle while under the influence of a prescription drug that impairs motor vehicle control, or with a percentage of illicit drug or alcohol in their system that exceeds the legal limit at the time and place of the incident.

• Training for or participating in a professional sport.

• Active service in any armed force for any nation.

• War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power in Australia or an Insured person’s country of residence.

• Involving any pre-existing condition, except for illnesses or diseases directly resulting from necessary medical or surgical treatment for an injury.

The above statements are issued as a matter of information only and for full terms and conditions you should refer to the Product Disclosure Statement and Policy Wording. All cover is subject to the terms, conditions and exclusions of the Policy.

Policy Benefits:

The Personal Accident - Voluntary Worker Insurance does have options which enables you to tailor the Policy to provide the most suitable level of cover for your Volunteers.

• Payment of 100% of income up to the amount shown on the Policy Schedule and for up to 104 weeks.

• No waiting period applies to this section.

• This Policy covers Volunteers anywhere in Australia.

• Full Benefits paid up to the age of 90. 90+ years have a reduced Capital Benefit sum Insured of $25,000.                                

• Out of pocket expenses related to the injury of up to $10,000. This includes Non-Medicare Medical Expenses** with reimbursement of 100% of all non-Medicare medical expenses incurred as a result of personal injury.

• Aggregate limit of liability $10,000,000 any one accident or series of accidents arising out of the one event.

Policy Benefit options available:

• Capital Benefits $50,000 / weekly $500

• Capital Benefits $75,000 / weekly $750

• Capital Benefits $100,000 / weekly $750

• Capital Benefits $100,000 / weekly $1,000

Note:

The Non-Medicare Medical Expenses benefit may not be payable to all injured Volunteers. Cover in this area is regulated by legislation which includes the [Commonwealth] Private Health Insurance Act 2007 and the Rules attaching to the Act; the [Commonwealth] Health Insurance Act 1973; the [Commonwealth] National Health Act 1953; and where the legislation may be updated from time to time.

Case Study: Helping Hands Community Centre

Please note that the case studies and claims examples presented are fictional and intended solely for illustrative purposes. The specific Insurance needs of each organisation may differ, so it is essential to consult with LCIS to identify the appropriate coverage for your particular situation.

Background:

The Helping Hands Community Centre is a non-profit organisation that provides various services and support to the local community. They heavily rely on their volunteers' dedication and hard work to carry out their mission.

One of their top priorities is ensuring the safety and wellbeing of their volunteers, which is why they have implemented Personal Accident - Voluntary Worker Insurance cover.

Scenario:

During a fundraising event organised by the Helping Hands Community Centre, one of their volunteers, Sarah, accidentally slipped and fell, resulting in a severe ankle injury. As a result, Sarah could not work at her regular occupation and faced financial challenges due to the loss of income.

Impact and benefits: Thanks to the Personal Accident - Voluntary Worker Insurance cover, Sarah was able to receive financial compensation for her injury. The policy covered her loss of income, providing her with a weekly benefit to help alleviate the financial burden caused by her inability to work. This allowed Sarah to focus on her recovery without worrying about her financial situation.

Additionally, the policy also provided a capital benefit for permanent disablement. Although Sarah's injury was not permanent, this benefit serves as a safety net for volunteers who may experience more severe injuries that result in long-term or permanent disabilities.

Furthermore, the policy covered Sarah's out-of-pocket non-Medicare medical expenses related to her injury. This ensured that she received the necessary medical treatment without bearing the financial burden of non-Medicare medical bills.

The Personal Accident - Voluntary Worker Insurance cover held by the Helping Hands Community Centre not only provided financial support to Sarah but also gave her peace of mind, knowing that she was protected while volunteering for the organisation. This coverage was crucial in supporting Sarah during her recovery and allowing her to continue contributing to the community once she had healed.

Conclusion:

The case of Sarah and the Helping Hands Community Centre highlights the importance of Personal Accident - Voluntary Worker Insurance cover. By implementing this Insurance policy, organisations can demonstrate their commitment to the wellbeing of their volunteers and provide them with the necessary support in case of accidents or injuries. This coverage helps protect volunteers financially and fosters a sense of security and trust within the organisation.

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“Thank you LCIS for your patience in responding to my Insurance enquiries.

I realise the difficulties you may face with recalcitrant customers, but the straight forward explanations of your team allowed me to understand exactly what we needed to do and how to go about it.”

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