Personal Accident Cover for Individuals

What does the Policy Cover?

• Personal Accident

A Financial Members loss of Performing / Teaching Income arising from an injury suffered while performing, busking, rehearsing, recording, exhibiting, adjudicating and teaching the members insured activities as specified in their Insurance certificate (including while travelling to and from).

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 Personal Accident policy is offered as an optional policy to all Duck Individual Members.

What is the Sum Insured?

• Members select from a choice of policy limits, that will apply to any one claim or occurrence:

Cover	Option 1	Option 2	Option 3
Capital Benefits Events 1-19	$25,000	$50,000	$75,000
Return to Work Assistance	$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
Benefit Period	26 Weeks	26 Weeks	26 Weeks

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 from performing and teaching the specified insured performing activities 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 for Personal Accident Cover -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 deliberately self-inflicted injury
  • any deliberate, illegal or criminal acts committed by the insured person

You can view the current rates here.