• Weekly Injury Benefits
• Weekly Sickness Benefits
• Capital Benefits, lump sum payments
• Business Expenses, weekly
• Ability to apply cover to suit requirements

• Weekly Benefit payments up to 85% of your average weekly income (or other agreed value) if you are accidently injured or become sick and are unable to work¹.
• Nominate a waiting period of either 14 or 28 days before payments commence².
• Approved claim payments can be made for up to 52 or 104 weeks (whichever you select).

Business Expense cover is an optional additional cover which is intended to provide a weekly benefit of an agreed amount you nominate (maximum of $950) for a maximum benefit period of up to 52 weeks to cover fixed business expenses you would typically incur in producing your income.

These expenses typically can include expenses such as rent, electricity, water, gas or telephone charges; lease payments for equipment or motor vehicles; and other expenses that are usual for your type of business and for which you are entitled to claim as business expenses for income taxation purposes (except depreciation).

They do not typically include:

• cost of capital equipment;
• personal expenses;
• cash drawings from the business for personal use;
• wages, salaries or fees for you; or
• the cost of stock or merchandise

Capital Benefits Cover is an additional optional cover which is intended to provide a lump sum payment when you suffer an injury. You can choose the lump sum benefit amount and also select the insured events to be covered by the policy.

• The amount of lump sum benefit varies between 1 - 100% of the insured amount – depending on the severity of the injury.
• You can change the level of Capital Benefits cover you wish to be insured against and select the sum insured from a range of $50,000 to $200,000 (higher limits available upon application).

Every policy has terms, conditions, and exclusions, and you must read the Product Disclosure Statement and policy wording to fully understand the all the terms, conditions and exclusions. Notable exclusions for personal accident insurance are:

• Pre-existing conditions, sickness or injuries
• Injury related to high-risk activities (such as parachuting or hang gliding)
• Claims arising from participation in professional sport
• Claims occurring while under the influence of alcohol and drugs
• Deliberate self-infliction of injury or sickness

If you become aware of a matter/issue that may be (or give rise to) a claim, you must notify us as soon as possible and provide all relevant correspondence and documentation. You can notify a claim by calling Aon on Call 02 6190 0958, emailing [email protected], or writing to Aon at PO Box 1331, Parramatta, 2124

When your policy is due for renewal, an Aon broker will be in contact prior to the expiry date of your policy to discuss your details to ensure any changes required are updated accordingly.