Personal Accident Voluntary Workers Insurance
THE POLICY
Catholic Church Insurances Limited's Voluntary Workers Personal Accident insurance offers personal accident protection for you in respect of your unpaid workers. Lump sum benefits are provided for accidents and typically it covers death, permanent disablement and other listed events. Weekly benefits are also available, as are limited medical expenses.
Cover is provided for all volunteers over the age of ten, but benefits for persons over 80 years of age are limited.
WHO NEEDS THIS COVER?
Most voluntary workers exist in the parishes, schools, colleges, hospitals, homes for the aged and welfare organisations.
DEDUCTIBLES/EXCESS
Generally no excesses apply to this product.
LIMITS OF LIABILITY
The policy is limited to the Capital Sum Insured and the Weekly Benefit, which are shown in the schedule. Medical expense cover is limited to $10,000.
FIRE SERVICE LEVIES and STAMP DUTY
Stamp duty is added to premiums with the amount varying from state to state.
SOME FEATURES and BENEFITS
- 100% of Capital Benefit for death, loss of sight in both eyes, loss of both feet/hands, paraplegia, quadriplegia and permanent disablement (limited benefits for persons over 65 years of age and/or persons who have no dependants).
- 100% of Weekly Benefit for total disablement from attending to usual occupation.
- 30% of Weekly Benefit for total disablement from attending to usual domestic duties.
- Weekly benefits are for 104 weeks.
- $10,000 cover for medical expenses.
- $5,000 cover for emergency transport costs following Bodily Injury.
- Up to $2,000 for home tutorial for students unable to attend classes for at least five consecutive days.
- Up to $10,000 for home and motor vehicle modifications in the event of paraplegia or quadriplegia.
IMPORTANT POINTS
Catholic Church Insurances Limited is not a registered health fund and therefore cannot pay all Medical expenses. We are prohibited under the federal Health Act from paying any benefit which is claimable under Medicare, and we cannot pay "the gap". It is essential that you tell your voluntary workers about the limited payable medical expenses. Voluntary Workers Personal Accident Insurance is not a substitute for Health Insurance, and should not be compared to Health Insurance.
Because Voluntary Workers are unpaid workers, federal legislation permits us to pay hospital benefits and ancillary benefits, (however no Medicare entitlements are payable). Some examples of medical expenses payable by this policy include:
- Hospital accommodation expenses for private patients*
- Theatre fees for private patients*
- Physiotherapy*
- Chiropractic*
- Pharmaceuticals*
- Osteopath*
- Ambulance*
- Hire of Surgical Aids and Appliances*
- Repair or replacement of prescribed glasses or contact lenses*
* Incurred as a result of Bodily Injury to the Voluntary Worker
The maximum death benefit payable for any person with no dependants is limited to $10,000. The maximum claimable amount under the policy per event is limited to the Capital Sum Insured or Weekly Benefit, whichever is the greater amount.
Compensation for any person aged over 80 years is limited to $10,000 in total.
The maximum claimable amount per occurrence (and involving more than one person) is limited to $2,500,000.
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 as soon as possible by telephoning 1300 655 001.
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.
Return to Insurance Protection for Schools
Back to top
|
