Optional Voluntary Workers Personal Accident Insurance for Groups

What does the Policy Cover?

• Volunteers of a performing group member for their loss of Income arising from an accidental injury suffered while that volunteer is engaged in authorised voluntary work on behalf of the insured group (including direct travel to and from such voluntary work).

Who is the Insurer?

• The insurer of this product is AFA Pty Ltd (ABN 83 067 084 333) AFS Licence No. 247122 under a binding authority given to it by Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507

Who is Insured?

• The Voluntary Workers Personal Accident policy is offered as an optional policy to all Duck Performing Group Members.

What is the Sum Insured?

Cover	Limit
Part A - Accidental Death and Capital Benefits
- Sum Insured	$50,000
Part B - Weekly Injury Benefits
- Percentage of Salary	85%
- Maximum per week - earnings	$500
- Maximum Benefit Period	52  weeks
- Excess Period	14 Days

What are the additional benefits provided?

Part C - Injury resulting in surgery
- Sum Insured	$5,000
Part D - Injury resulting in Fractured Bones
- Sum Insured	$1,000
Part E - Injury resulting in loss of teeth or dental procedures
- Sum Insured	$1000 ($250 per tooth)
Insured Extensions
- Childcare Benefit	$5,000
- Tuition or Advice	$500 per Month Up to 6 months
Student Home Tutorial	$500 per week  Up to 26 weeks
Post-Traumatic Stress Disorder Weekly Benefit	$500 per week for a maximum of 12 weeks $50,000 aggregate

What is the Basis of Settlement?

• The weekly benefit payable in the event of an injury claim is calculated based on 85% of the members verified earned income in the 6 months immediately preceding the injury.

What is the Policy Excess?

• 14 days from the date the member is unable to work due to injuries suffered

What are the Territorial Limits?

• Worldwide excluding Afghanistan, Belarus, Burundi, Central African Republic, Chad, Chechnya, Cote d’Ivoire (Ivory Coast), Democratic Republic of Congo, Iran, Iraq, Israel, Libya, Mali, Niger, North Korea, Russia, Somalia, Sudan, Syria, Yemen, Ukraine and subject to the applicable PDS & Policy Wording.

What is Excluded by the policy?

The below provides a summary of the key exclusions or policy limitations. Please refer to the policy wording for full details of all relevant exclusions

• Age Limit 18 to under 75 years of age. 
• No cover is provided for Pre-existing Conditions.
• No cover is provided for Sickness.

• No Benefits will be claimable which are covered by:
  • Medicare, or by any
  • workers compensation legislation,
  • transport accident legislation,
  • government sponsored fund, plan, medical benefit scheme or any other
  • insurance policy required to be effected by or under law

• No Benefits will be claimable if the injury is caused by
  • any deliberate, illegal or criminal acts committed by the insured person

For further detail on the Voluntary Workers Insurance policy, please refer to the Policy Wording located in The Official Bits.

You can view the current rates for groups here.

Please contact the office for further information about this policy.