For an additional premium, you can protect your performing and teaching income if you are injured while performing, rehearsing and teaching (including while travelling to and from).
- This policy is optional and is exclusive to Duck for Cover Members.
- The policy covers you for your lost performing and teaching income limited to 85% of usual income (you will need to substantiate your lost income in the event of a claim).
- The policy Age Limit is up to 75 years (restricted benefits apply 65 years -74 years)
- 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 visitors to Australia can become members of Duck for Cover BUT the policy will only cover them while they are performing, rehearsing and teaching in Australia.
- No cover is provided for Pre-existing Conditions
For the 2019/2020 policy, the Duck Member Personal Accident Insurance program has been moved to AFA Insurance (secured by Allianz) with a new tiered coverage structure introduced. This new program recognises the different income protection needs of Individual Members.
The following table shows the coverage options available to all Duck members for the 12 May 2019 to 12 August 2020 period of insurance:
the personal accident cover
| Cover |
Option 1 |
Option 2 |
Option 3 |
| Capital Benefits |
|
|
|
| - Event 1 - Accident 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 |
$500 |
$750 |
| - Excess |
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 |
|
|
|
|
| Broken Bones Benefit |
Max $500 |
Max $1,000 |
Max $2,000 |
premiums (including all charges)
|
|
|
|
|
|
Option 1 |
Option 2 |
Option 3 |
| Category 1 |
$33 |
$55 |
$77 |
|
|
|
|
| Category 2 (excluding Aerial and Acrobat) |
$41 |
$70 |
$100 |
|
|
|
|
| Category 3 (including Aerial and Acrobat) |
$48 |
$86 |
$123 |
For further detail, please refer to the Personal Accident Policy Wording and Schedule located in The Official Bits.
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