Personal Accident Cover for Groups

optional personal accident cover for theatre groups and community performing groups

This optional policy provides limited weekly income protection to your group members if they are injured while performing with your group (including direct uninterrupted travel to and from).

basic information:

• The policy covers group members for an accident sustained while performing as part of your group (including direct transit to and from).
• Performing includes group rehearsals and group teaching.
• The policy covers 85% of the group member’s lost performing income to the policy limit selected.
• Volunteers will be covered while performing with the insured group and will be covered for their external income to a maximum of $250 per week.
• You can select the benefit period of 26 weeks, 52 weeks or 104 weeks (lower benefit periods are provided to members over 64 years of age and volunteer group members not in receipt of Pre-Disability Earnings non income).
• The policy covers Death & Capital Benefits (permanent injury) for the limit selected.
• The first 14 days of lost income following an accident is not insured.
• Worldwide cover for Australian citizens and permanent residents unless excluded by legislation (either local or overseas) or any of the following countries: Afghanistan, Burundi, Central African Republic, Chad, Chechnya, Cote d'Ivoire (Ivory Coast), Democratic Republic of Congo, Iran, Iraq, Israel, Libya, Mali, Niger, Somalia, Sudan, Syria or Yemen.
• Overseas groups performing in Australia can become members of Duck for Cover BUT both the Public Liability and Personal Accident (if selected) policy will only cover them while they are performing in Australia and provided they are legally able to work in Australia.
• No cover is provided for Pre-existing Conditions.

cover	option 1	option 2	option 3
capital benefits
Event 1 – Accidental Death	$25,000	$50,000	$75,000
Events 2-18 – Permanent Total Disablement	$25,000	$50,000	$75,000
Rehabilitation	$2,500	$5,000	$7,500
weekly injury benefit
Percentage of Salary	85	85	85
Max per week – Performing/Teaching earnings	$250.00	$500.00	$750.00
Max per week – Volunteers external earnings	$250.00	$250.00	$250.00
Deferral Period	14 Days	14 Days	14 Days
Benefit Period under 65 years of age	26 Weeks	52 Weeks	104 Weeks
Benefit Period 65 to under 75 years of age	13 Weeks	26 Weeks	52 Weeks
Weekly Sickness Benefits	Not insured	Not insured	Not insured
broken bones benefit	Max $500	Max $1,000	Max $2,000
home help benefit (for volunteer group members not in receipt of Pre-Disability Earnings)
Maximum per week	$250.00	$250.00	$250.00
Benefit Period	26 Weeks	26 Weeks	26 Weeks
student tutorial benefit (for volunteer group members not in receipt of Pre-Disability Earnings)
Maximum per week	$250.00	$250.00	$250.00
Benefit Period	26 Weeks	26 Weeks	26 Weeks
non-medicare medical expenses (for volunteer group members not in receipt of Pre-Disability Earnings)
Maximum Benefit	$500.00	$750.00	$1,000.00
Excess	$50.00	$50.00	$50.00

Please check the Rates for Groups page for the prices.