Product Features

What is the definition of "on deployment"?

Deployment refers to being in a war-like zone (as defined by Section 2 of the Tax Amendment Regulations 2009 No. 2) or in a destination to which the Department of Foreign Affairs and Trade has advised against all travel. There is a 12 month waiting period if accidental death occurs while on deployment.

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How does it affect my cover if I am on deployment?

You will be immediately covered for injuries caused by accidents from the time you take out the policy whether you are on deployment or in a DFAT no-go area or anywhere else. However, you will only be covered for accidental death on deployment or in a DFAT DO NOT TRAVEL zone if you have held the policy for at least 12 months. Accidental death is an optional extra on the insurance.

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Doesn't the ADF pay my medical costs if I have an accident?

Yes, but you may find you have other non-medical costs as well. For example, transport costs to wherever you’re being treated.

If you have a serious injury, you may not be able to do your current job and will need to pay for new occupational training or you might have to renovate your house to cater for your disability, and pay for regular help around the house.

If your partner is injured you might need to pay for someone to look after your children, cook the meals, or do the housework or shopping.

Even if you have family and friends providing all this support you might want to have some extra cash to be able to thank them for all their help.

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What exactly does the Injury & Accident product provide?

If you get injured as the result of an accident it will give you some cash. The amount of cash you get depends on the type of injury and how serious it is. Even if you have other entitlements to compensation this insurance still provides you with the cash.

If you apply for this insurance, you will be automatically accepted. You don’t need to take a medical and it makes no difference if you’re in a combat zone or about to go off to a war zone, you will still be covered by the insurance. Your spouse or partner can also be covered, which will automatically include all dependent children at no extra cost.

You can also choose to take out the accidental death cover option. If you take up this option, there is a 12 month waiting period before you can claim for accidental death while on deployment or in a country to which the Department of Foreign Affairs and Trade has advised against all travel.

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Can you just tell me what it covers, how much I get and what it costs?

It covers you for various injuries incurred as a result of an accident. What you get depends on what injuries you incur and what level of cover you have chosen. There are three levels to choose from. What you pay depends on the level of cover you have chosen and whether you’ve covered just yourself or your partner or spouse as well. The PDS and Policy Wording will give you all this information.

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Does it cover me if I die in an accident?

Yes, if you have taken out accidental death cover as an option. But if you die whilst on deployment or in a country to which the Dept of Foreign Affairs & Trade has advised against all travel, you must have held the policy for 12 months before a claim can be made in these particular circumstances.

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Is being shot by the enemy considered an accident?

Yes.

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Payouts

Will I be taxed on the benefit sum if I need to claim?

Tax is not normally payable on benefits but individual circumstances may vary and we recommend that you consult a taxation advisor with regard to your own personal position.

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What is the maximum amount I can be covered for?

$1.125 million if you select 3 units of Superior Cover and you suffer a permanent loss of independent existence.

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What is the minimum amount I can be covered for?

One unit of Budget Cover will provide $100 if you break 1 or more fingers or toes, and up to $75,000 if you suffer a permanent loss of independent existence.

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In what circumstances would I get the spouse and dependent children benefit?

If you have a spouse and/or dependent children, and you suffer permanent loss of independent existence, or quadriplegia or paraplegia, then an additional benefit of $5,000 will be paid to your spouse or partner and $5,000 for each dependent child, to a maximum of $15,000. This additional benefit is paid regardless of whether you have taken out individual cover or family cover.

If you have taken out the optional accidental death cover, then this benefit is also payable to your spouse and/or dependant children if you die. This additional benefit is paid regardless of whether you have taken out individual cover or family cover, but it will not be paid if the death occurs whilst on deployment or in a country to which DFAT has advised against all travel unless the policy has been held for at least 12 months.

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Pemiums and Payments

Is a discount offered if I pay yearly?

No. Premiums can only be paid monthly by direct debit to your bank account or your credit card.

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Will the premium go up as I get older?

No.

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There are only monthly premiums listed on the brochure. Are any other payment options available?

The only payment options available are monthly direct debit from a credit card or bank account.

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Can I have the premiums deducted by payroll deduction?

No. Payroll deduction is not available.

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Eligibility

If I take out this insurance and I cease employment with the ADF, am I still able to keep this insurance?

No. However, there is a civilian version of this insurance that you can switch to.

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Is my spouse able to apply for this product in their own right?

Yes, as long as he or she satisfies the eligibility rules referred to in Section 2 of the PDS.

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Is there cover for the same sex partners?

De-facto partners are covered, regardless of their gender, provided that they have continuously lived with the insured person for at least 3 months prior to the event occurring.

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Does it affect my cover if I have any pre-existing conditions?

No.

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Administrative

The application does not provide space to list my spouse details. Where do I list their details?

You do not need to. If you choose family cover your spouse or partner, and any dependent children, will be automatically covered. If you wish to supply the details you can write them on a separate piece of paper when you send in the application form.

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Can I take out one policy for both my partner and myself?

Yes. Family cover is for this purpose. It covers you and your partner for however many units of cover you have chosen, and automatically includes one unit of cover for each dependent child.

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What is the definition of a Dependent Child?

It means aged 18 or under.

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Can I take out the optional death benefit cover just for myself but cover my family for the accidental injuries only?

No. If you take out family cover for accidental injury, the optional accidental death cover must also be for the whole family. If you take out accidental injury cover as an individual, then the accidental death cover can only be taken as an individual. There is 12 months waiting period if accidental death occurs while on deployment to a war-like zone or in a destination to which the Department of Foreign Affairs and Trade has advised against all travel.

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How do I make a claim?

To make a claim on your policy, download a claim form from our website, complete it and send it directly to Chartis (their address is on the claim form) or call Chartis on 1800 331 013 and they will send you one in the post.

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Cover

What professional sports are excluded?

Any or all professional sports are excluded if you are substantially dependent on the income received from playing that sport.

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What if my professional sport was not one that involved a high risk of injury/danger, e.g. snooker, pool, chess, lawn bowls etc? Would I still be covered?

The type of sport played does not matter. If you are substantially dependent on the income received from playing any particular sport, it will be considered a professional sport and thus will be excluded.

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Are recreational sports excluded as well?

No.

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Can I use this cover whilst on overseas posting?

Yes. You are continuously covered and do not need to notify us of an overseas posting although you should advise CHARTIS if your mailing address has changed. However if you have taken up the accidental death cover option, you will not be covered during the first 12 months of the policy if the overseas posting is a deployment to a war-like zone or in a destination to which DFAT has advised against all travel.

back to top

Product Features

What is the definition of "on deployment"?

Deployment refers to being in a war-like zone (as defined by Section 2 of the Tax Amendment Regulations 2009 No. 2) or in a destination to which the Department of Foreign Affairs and Trade has advised against all travel. There is a 12 month waiting period if accidental death occurs while on deployment.

back to top

How does it affect my cover if I am on deployment?

You will be immediately covered for injuries caused by accidents from the time you take out the policy whether you are on deployment or in a DFAT no-go area or anywhere else. However, you will only be covered for accidental death on deployment or in a DFAT DO NOT TRAVEL zone if you have held the policy for at least 12 months. Accidental death is an optional extra on the insurance.

back to top

Doesn't the ADF pay my medical costs if I have an accident?

Yes, but you may find you have other non-medical costs as well. For example, transport costs to wherever you’re being treated.

If you have a serious injury, you may not be able to do your current job and will need to pay for new occupational training or you might have to renovate your house to cater for your disability, and pay for regular help around the house.

If your partner is injured you might need to pay for someone to look after your children, cook the meals, or do the housework or shopping.

Even if you have family and friends providing all this support you might want to have some extra cash to be able to thank them for all their help.

back to top

What exactly does the Injury & Accident product provide?

If you get injured as the result of an accident it will give you some cash. The amount of cash you get depends on the type of injury and how serious it is. Even if you have other entitlements to compensation this insurance still provides you with the cash.

If you apply for this insurance, you will be automatically accepted. You don’t need to take a medical and it makes no difference if you’re in a combat zone or about to go off to a war zone, you will still be covered by the insurance. Your spouse or partner can also be covered, which will automatically include all dependent children at no extra cost.

You can also choose to take out the accidental death cover option. If you take up this option, there is a 12 month waiting period before you can claim for accidental death while on deployment or in a country to which the Department of Foreign Affairs and Trade has advised against all travel.

back to top

Can you just tell me what it covers, how much I get and what it costs?

It covers you for various injuries incurred as a result of an accident. What you get depends on what injuries you incur and what level of cover you have chosen. There are three levels to choose from. What you pay depends on the level of cover you have chosen and whether you’ve covered just yourself or your partner or spouse as well. The PDS and Policy Wording will give you all this information.

back to top

Does it cover me if I die in an accident?

Yes, if you have taken out accidental death cover as an option. But if you die whilst on deployment or in a country to which the Dept of Foreign Affairs & Trade has advised against all travel, you must have held the policy for 12 months before a claim can be made in these particular circumstances.

back to top

Is being shot by the enemy considered an accident?

Yes.

back to top

Payouts

Will I be taxed on the benefit sum if I need to claim?

Tax is not normally payable on benefits but individual circumstances may vary and we recommend that you consult a taxation advisor with regard to your own personal position.

back to top

What is the maximum amount I can be covered for?

$1.125 million if you select 3 units of Superior Cover and you suffer a permanent loss of independent existence.

back to top

What is the minimum amount I can be covered for?

One unit of Budget Cover will provide $100 if you break 1 or more fingers or toes, and up to $75,000 if you suffer a permanent loss of independent existence.

back to top

In what circumstances would I get the spouse and dependent children benefit?

If you have a spouse and/or dependent children, and you suffer permanent loss of independent existence, or quadriplegia or paraplegia, then an additional benefit of $5,000 will be paid to your spouse or partner and $5,000 for each dependent child, to a maximum of $15,000. This additional benefit is paid regardless of whether you have taken out individual cover or family cover.

If you have taken out the optional accidental death cover, then this benefit is also payable to your spouse and/or dependant children if you die. This additional benefit is paid regardless of whether you have taken out individual cover or family cover, but it will not be paid if the death occurs whilst on deployment or in a country to which DFAT has advised against all travel unless the policy has been held for at least 12 months.

back to top

Pemiums and Payments

Is a discount offered if I pay yearly?

No. Premiums can only be paid monthly by direct debit to your bank account or your credit card.

back to top

Will the premium go up as I get older?

No.

back to top

There are only monthly premiums listed on the brochure. Are any other payment options available?

The only payment options available are monthly direct debit from a credit card or bank account.

back to top

Can I have the premiums deducted by payroll deduction?

No. Payroll deduction is not available.

back to top

Eligibility

If I take out this insurance and I cease employment with the ADF, am I still able to keep this insurance?

No. However, there is a civilian version of this insurance that you can switch to.

back to top

Is my spouse able to apply for this product in their own right?

Yes, as long as he or she satisfies the eligibility rules referred to in Section 2 of the PDS.

back to top

Is there cover for the same sex partners?

De-facto partners are covered, regardless of their gender, provided that they have continuously lived with the insured person for at least 3 months prior to the event occurring.

back to top

Does it affect my cover if I have any pre-existing conditions?

No.

back to top

Administrative

The application does not provide space to list my spouse details. Where do I list their details?

You do not need to. If you choose family cover your spouse or partner, and any dependent children, will be automatically covered. If you wish to supply the details you can write them on a separate piece of paper when you send in the application form.

back to top

Can I take out one policy for both my partner and myself?

Yes. Family cover is for this purpose. It covers you and your partner for however many units of cover you have chosen, and automatically includes one unit of cover for each dependent child.

back to top

What is the definition of a Dependent Child?

It means aged 18 or under.

back to top

Can I take out the optional death benefit cover just for myself but cover my family for the accidental injuries only?

No. If you take out family cover for accidental injury, the optional accidental death cover must also be for the whole family. If you take out accidental injury cover as an individual, then the accidental death cover can only be taken as an individual. There is 12 months waiting period if accidental death occurs while on deployment to a war-like zone or in a destination to which the Department of Foreign Affairs and Trade has advised against all travel.

back to top

How do I make a claim?

To make a claim on your policy, download a claim form from our website, complete it and send it directly to Chartis (their address is on the claim form) or call Chartis on 1800 331 013 and they will send you one in the post.

back to top

Cover

What professional sports are excluded?

Any or all professional sports are excluded if you are substantially dependent on the income received from playing that sport.

back to top

What if my professional sport was not one that involved a high risk of injury/danger, e.g. snooker, pool, chess, lawn bowls etc? Would I still be covered?

The type of sport played does not matter. If you are substantially dependent on the income received from playing any particular sport, it will be considered a professional sport and thus will be excluded.

back to top

Are recreational sports excluded as well?

No.

back to top

Can I use this cover whilst on overseas posting?

Yes. You are continuously covered and do not need to notify us of an overseas posting although you should advise CHARTIS if your mailing address has changed. However if you have taken up the accidental death cover option, you will not be covered during the first 12 months of the policy if the overseas posting is a deployment to a war-like zone or in a destination to which DFAT has advised against all travel.

back to top