Personal Accident and Sickness Insurance

By: Combined Insurance  04-Jun-2011
Keywords: Insurance

 

Accident and Sickness Insurance

You know it will happen…
You just don’t know when…

Accidents can happen to anyone, any time, any place; and unfortunately they can often cause hardship and additional expenses.

The Australian Bureau of Statistics 2004-5 survey shows that 2,094,200 people in Australia have a long-term condition that was the result of an injury due to an accident. These accidents include falls, collisions, exposure to fire and chemicals, vehicle accidents and other events.

Many serious accidents occur not only on the road, but also in the home and the workplace.

That’s why we are here… To help you prepare for the unexpected!

Combined offers 2 specialised Accident Plans

Peace of Mind Accident Policy

Our Peace of Mind Accident Disability Plan is designed to provide just that… peace of mind.

With 5 available levels of coverage, this plan will cover you 24 hours a day, 7 days a week for any covered injury. This plan provides:

  • Total or partial disability coverage, with additional benefits for;
  • Accidental death, paraplegia or quadriplegia;
  • Major or minor fractures;
  • Lump sum payment for death due to any accident
  • Generally tax deductible premiums

A feature of this plan, something you will find in very few policies sold in Australia today, is that you can choose cover paying benefits from the very first day of disability. Alternatively you can choose cover from the 15th and 31st day of disability.

This information is only a summary of the cover. For full details, please refer to the Accident Product Disclosure Statement which is available by calling our Territory Manager Neil Williams on 0488 081 640 Accident Product Disclosure Statement which is available by calling our Territory Manager Neil Williams on 0488 081 640 Accident Product Disclosure Statement which is available by calling our Territory Manager Neil Williams on 0488 081 640 Accident Product Disclosure Statement which is available by calling our Territory Manager Neil Williams on 0488 081 640 

Bodyguard Policy

Our Bodyguard personal injury plan is designed to provide benefits, not only for individuals but for their families as well. The family plan covers the spouse and all eligible children.

The Bodyguard plan provides lump sum benefits for:

  • Accidental Death
  • Permanent Total Disability
  • Loss of sight or limbs
  • Major or minor fractures
  • In addition, this plan provides daily benefits for confinement due to accidents. 

    This information is only a summary of the cover. For full details, please refer to the
    Accident Product Disclosure Statement which is available by calling our Territory Manager Neil Williams on 0488 081 640 All our plans will cover you 24 hours a day, 7 days a week whether you are at home, work, or play. These Plans can be taken individually or in conjunction with each other.

Healthcare

They say the 2 certainties in life are death and taxes. But they forgot to mention the other increasing certainty… Sickness

In 2006, 7 out of 10 Australians had taken time off work due to sickness.

This is where our sickness policies can help. Our healthcare range is comprised of 4 Plans

There is no physical examination required and the important thing is your health.

These Plans can be taken individually or in conjunction with each other. All Plans will cover you 24 hours a day, 7 days a week.

This information is only a summary of the cover. For full details, please refer to the Healthcare Product Disclosure Statement (PDS). Please contact our Territory Manager, Neil Williams on 0488081640 for a free copy.

With 5 available levels of coverage, our Sickness Disability Plan will provide you with peace of mind when you need it most. This plan provides 24 hour a day, 7 day a week coverage.
This policy is suitable for any covered sickness whatsoever, whether;


• Totally Disabled, or
• Partially Disabled


Like our Peace of Mind Accident policy, a feature of this plan is that you can choose cover paying benefits from the very first day of disability. Alternatively you can choose cover from the 15th and 31st day of disability. Another feature of this plan is that premiums are generally tax deductible.


This information is only a summary of the cover. For full details, please refer to the (PDS).

In 2003 over half a million people in Australia contracted a critical condition and today the number is far greater.

The Critical Illness policy is designed to provide lump sum benefits for you and any eligible children. It covers 8 key critical conditions, including cancer, heart attack, stroke, and major organ transplant.

In addition, this policy also pays a benefit for the removal of skin cancer.

This information is only a summary of the cover. For full details, please refer to the

Cancer Policy

An alarming statistic is that 1 in 3 men and 1 in 4 women will develop cancer before the age of 75.

Our Cancer Plan is designed to provide benefits, not only for individuals but families as well. The family plan covers the spouse and all eligible children.

This policy provides benefits such as:

  1. Cancer confinement, non-confinement, first occurrence benefit
  2. Skin Cancer removal benefit
  3. Patient Transportation and Family Lodging costs

This information is only a summary of the cover. For full details, please refer to the Healthcare Product Disclosure Statement (PDS). Please contact our Territory Manager Neil Williams on 0488 081 640 to receive a copy of the PDS.

Keywords: Insurance

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