Personal Accident Cover for Individuals

For an additional premium, you can protect your performing and teaching income if you are injured while performing, rehearsing, (including while travelling to and from).

This policy is optional and is exclusive to Duck for Cover Members.

Cover is world-wide for Australian citizens and permanent residents. 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.

Age Limit 18 to under 75 years of age. 

No cover is provided for Pre-existing Conditions. No cover is provided for Sickness.

The Duck Member Personal Accident Insurance program is insured with AFA Insurance (secured by Zurich Insurance for the 2024-2025 Insurance year) with a tiered coverage structure.

The tiered coverage structure recognises the different income protection needs of Individual Members.

Cover Option 1 Option 2 Option 3 (available from 12/10/24) 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 Excess 14 Days 14 Days 14 Days Benefit Period 26 Weeks 26 Weeks 26 Weeks

You can view the current rates here.