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Overview
Accident and Sickness insurance provides a lump sum benefit due to death or permanent disability arising from an injury, and weekly benefits for temporary total disablement arising from injury or sickness.
What does this cover include?
The following occurrence-based policies are available:
- Individual Personal Accident and Sickness Insurance - covers lost earnings in the event of accidental injury and/or sickness. Cover can also be included for a lump sum benefit in the event of death or permanent disablement.
- Journey Accident Insurance - covers employees for accidental death and/or accidental injury, only whilst travelling directly between their place of residence and their place of employment, or whilst travelling for work related purposes.
- Voluntary Workers’ Accident Insurance - covers employees for accidental death and/or accidental injury, only whilst performing voluntary work on behalf of the proposed insured.
Key Benefits
- Ability to package with other products
- Individual quotes or scheme solutions
- Limits up to $250,000 for Accidental Death
- Weekly benefits up to $2,000 for Accident or Sickness
- A wide range of automatic and optional extensions available
Automatic Extensions
- Individual Personal Accident and Sickness Automatic Extensions
- Disappearance
- Exposure
- Funeral Expense
- Home/Car Modifications
- Non-Medicare Medical Expenses
- Pharmaceutical Expenses
- Journey Accident Insurance Automatic Extensions
- Disappearance
- Exposure
- Funeral Expense
- Home/Car Modifications
- Non-Medicare Medical Expenses
- Pharmaceutical Expenses
- Voluntary Workers Accident Insurance Automatic Extensions
- Bed Care
- Corporate Image Protection
- Disappearance
- Emergency Home Help
- Exposure
- Funeral Expense
- Home/Car Modifications
- Non-Medicare Medical Expenses
- Out-of-Pocket Expenses – Non-Income Earners
- Pharmaceutical Expenses
- Student Tutorial Costs
Contacts
Journey Accident PDS and Wording - Please contact Keystone for a copy of the latest Wording.
Personal Accident and Sickness PDS and Wording - Please contact Keystone for a copy of the latest Wording.