Personal Accident & Sickness

This type of cover can provide:

• Benefits to the insured in the event of accidental Death or Permanent Injury (based on the compensation percentage shown on the schedule multiplied by the capital sum insured); and
• Average Weekly Income Benefits to the insured for certain Accidents and/or Sickness of the nominated persons.

• Accidental death;
• Accidental permanent disabling injury;
• Temporary total or temporary partial disablement as a result of an accident or sickness.

1. Age;
2. AIDS or HIV;
3. Air travel;
4. Diseases;
5. Existing medical condition;
6. Alcohol and drugs;
7. Mental condition;
8. Occupations/sports;
9. Pregnancy; and
10. Suicide/self injury.

• The insured must advise Allianz immediately if there is:

1. A change in the persons usual occupation;
2. Any accident, disability and/or sickness insurance is held with another insurer;
3. If the insured person becomes affected by any disease, physical defect, infirmity, sickness or injury, you must advise Allianz before the next renewal.

• Physical examination – in the event of a claim being made under this section, the insured person must undertake a medical examination (at our expense).
• Medical Treatment – on the occurrence of any injury, accident or sickness the insured person must undertake and follow treatment from a legally qualified medical practitioner as soon as possible
• Cancellation – in the event that you have made a claim under a defined event and we have agreed to pay the sum insured for that Defined Event no return of premium will be due or payable.