Essentials Life Cover Optional Covers

You can add an extra layer of financial protection for you and your family by choosing one or more of the following optional covers. These are conveniently added onto your Essentials Life Cover Policy, so you don’t have to take out multiple Policies.

• Total and Permanent Disability – this cover provides a lump sum payment up to $350,000 (depending on your age), if you suffer a Total and Permanent Disability. Total and Permanent Disability includes events such as the permanent loss of use of two limbs, total and permanent blindness and a loss of independent living. The benefit you would receive could be used however you need – to cover medical expenses, ongoing are or even household expenses.
  You can read the full list of inclusions and exclusions of Total and Permanent Disability Cover in the PDS
  
  
• Trauma – this optional cover pays a benefit up to $350,000 to you or another life insured if they suffer any of the covered trauma events, which include Cancer, Coronary Artery Bypass Surgery, Heart Attack, Stroke, Coma, major head trauma and kidney or liver failure. This payment could be used to help with outstanding medical costs, rehabilitation expenses or even to compensate a family member’s lost income.
  You can check the PDS to see exactly what’s covered under our Optional Trauma cover.
  
  
• Accidental Death – if you or another life insured suffers an Accidental Death, you could receive an added benefit from $50,000 up to $300,000. Given an accidental death is unexpected, it can sometimes mean additional unplanned expenses left behind. This extra benefit can help ease this financial burden.The combined Essentials Life Cover and Accidental Death Cover Benefit Amount cannot exceed $350,000 plus any Automatic Sum Insured Increase.
  See the full list of inclusions and exclusions of Accidental Death Cover in the PDS
  
  
• Children’s Cover
  While you don’t want to think about your child being seriously ill, you may want to ensure you have a financial safety net in case something does happen. With Children’s Cover, you can cover your dependent children aged 2 – 18 in case they suffer an accidental death or a defined serious illness. You can choose a benefit from $10,000 up to $60,000, and you can have protection against Childhood Trauma events such as Bacterial Meningitis, Cancer, Encephalitis, Loss of Hearing, Loss of Sight, Major Head Trauma, Major Burns and Paralysis. Your chosen lump sum payment is designed to help cover medical costs, school fees or additional tutoring required.
  For full definitions of each event, and to find out more about what’s covered, please refer to the Product Disclosure Statement