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Capital Benefits
What is covered under this section?

THE EVENTS
Accidental Bodily Injury resulting in: 		THE BENEFIT AMOUNT
(each Insured Person)
being a percentage of the Personal Injury Sum Insured
stated in the Schedule of Sums Insured.
Death Benefit $100,000
1 Death (Limited to 20% of the Capital Benefit for Insured Persons under 18 years of age) 100%
2 Permanent Total Disablement 100%
3 Permanent Disability not otherwise provided(amount determined by insurer, not exceeding $75,000) 100%
4 Permanent paraplegia 175%
5 Permanent quadriplegia 175%
6 Permanent unsound mind to the extent of legal incapacity 100%
7 Permanent and incurable paralysis of all Limbs 100%
8 Permanent Total loss of the entire sight of one or both eyes 100%
9 Permanent Total loss of hearing in both ears 100%
10 Permanent Total loss of the use of both hands 100%
11 Permanent Total loss of the use of both arms 100%
12 Permanent Total loss of the use of both feet 100%
13 Permanent Total loss of the use of both legs 100%
14 Permanent Total loss of the use of one hand and one foot 100%
15 Permanent Total loss of the use of one hand and one arm 100%
16 Permanent Total loss of the lens of one eye 50%
17 Permanent Total loss of the hearing in one ear 50%
18 Permanent Total loss of the use of one foot or one leg 50%
19 Permanent Total loss of the use of four fingers and thumb of either hand 75%
20 Permanent Total loss of the use of four Fingers of either hand 40%
21 Permanent Total loss of the use of one thumb, both joint 30%
22 Permanent Total loss of the use of one thumb, one joint 15%
23 Permanent Total loss of the use of a finger, three joints 10%
24 Permanent Total loss of the use of a finger, two joints 8%
25 Permanent Total loss of the use of a finger, one joint 5%
26 Permanent Total loss of the use of all the toes of one foot 15%
27 Permanent Total loss of the use of great toe, both joints 5%
28 Permanent Total loss of the use of great toe, one joint 3%
29 Permanent Total loss of the use of other toe, (each toe) 1%
30 Third degree burns and/or resultant disfigurement which covers more than 40% of the entire body 50%

What are the age limitations?

Insured Persons Aged 18 to 85 years
$100,000

Insured Persons Under 18
$20,000

What is excluded?

The policy will not respond to any claim under this section of the policy if the claim arises directly or indirectly out of any of the following;
  • Any injury, medical condition, or weakness known to the insured person or which would have been known to a reasonable person in the circumstances to have existed prior to the commencement of this policy
  • Illness
  • Any condition that is caused by repetitive movements or actions of your sport
  • Any injury where you are entitled to receive a benefit from any statutory transport accident scheme or statutory workers compensation scheme

Please refer to the policy document & product disclosure statement for details of policy conditions and exclusions.