Accidents can happen to anyone. But have you thought about how you and your family would get by if it happened to you?
| Injury | Lump sum Payment |
| Loss of limbs or sight | $50,000 |
| Single loss of limb or eye | $25,000 |
|
|
|
|
Fractures:
Hip
Pelvis (excluding sacrum)
Thigh shaft
|
$10,000 |
|
Skull
(excluding bones of the face or nose)
|
$7,500 |
|
Lower leg (excluding foot),
Kneecap or ankle
Vertebrate
|
$5,000 |
|
Arm (including elbow, excluding wrist)
Sternum
|
$4,000 |
|
Collar-bone
Foot (including heel, excluding toes)
Hand (excluding thumbs and fingers)
Jaw (excluding cheekbone)
Shoulder blade
Wrist
|
$1,500 |
|
Fractures:
|
Lump sum payment |
|
Cheekbone
Coccyx
Eye socket
Nose
Ribs or ribs
Sacrum
|
$500 |
|
|
|
|
Disclocations (the lump sum payment for dislocations will only be paid once for each body part listed) :
|
|
| Hip | $7,500 |
| Ankle, elbow, knee, wrist | $1,500 |
| Shoulder | $500 |
|
|
|
|
Burns:
|
|
|
Severe burns to at least 20% of body surface or 50% of face
|
$12,500 |
|
Severe burns to at least 4% but less than 20% of body surface
|
$7,500 |
|
Severe burns of hands to at least 50% of either hand surface
|
$4,000 |
|
|
|
Karen is 28 years old, single and loves living by herself in a little inner-city apartment close to where she works. Her weekends are filled with netball and swimming, and she's just started training for her first marathon.
Even though she's young and healthy, Karen doesn't take her active lifestyle for granted. One of her close friends was seriously injured in a car accident while she was at university, and she saw how much the accident affected her life.
Last year Karen took out Accidental Injury Cover.
She decided on this type of insurance partly because of her active lifestyle, and partly because she doesn't have anyone close by to help out if she was unable to look after herself for a period of time.
A few months after taking out her policy, Karen fell awkwardly and fractured her ankle during a particularly robust netball game. She was off work for a week, and then hobbled around with a cast for another four weeks.
She was thankful her Accidental Injury Cover paid her $5,000, which was enough for her to hire a cleaner to visit once a week, buy takeaway meals so she didn't have to cook, and pay for taxis to and from work while she was unable to drive.