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No medical or blood tests are required to apply and you can get a preliminary quote in minutes over the phone.
Waiting periods may apply to certain covers and benefits. Please refer to the Product Disclosure Statement for the standard terms, conditions, definitions, limits and exclusions.
Choose Life Cover and your options1.
This is a summary only. For terms, conditions, limits, definitions, exclusions, waiting periods, exclusion periods and taking a combination of covers, please refer to the Product Disclosure Statement
Life Cover pays a lump sum (subject to conditions) in the event of the Life Insured’s death; or on diagnosis of a Terminal Illness, where death is likely to occur within 12 months.
You must be aged 16 to 65 to apply for Life Cover.
Any payment of the Accidental Injury Benefit will reduce the Life Cover by the payment amount. Where this would cause the Permanently Unable to Work and/or Critical Illness Cover Amounts to exceed the Life Cover Amount, then the applicable Cover Amounts will be reduced to equal the reduced Life Cover Amount and the premiums will be adjusted accordingly.1
Critical Illness Cover
Critical Illness Insurance, is also known as trauma cover. It provides a lump sum payment (subject to conditions) in the event the Life Insured suffers one of the defined Critical Illness events2.
You must be aged 16 to 55 to apply for Critical Illness cover.
Critical Illness cover must be taken out in conjunction with Life Cover. Any payment for Critical Illness cover will reduce any other cover under Life cover and Permanently Unable to Work cover by the payment amount. In certain circumstances this may mean the end of a cover or the Life insured’s policy.1
Permanently Unable to Work Cover
Permanently Unable to Work Cover pays a lump sum (subject to conditions) if the Life Insured either is diagnosed with a Sickness or suffers an Injury which means they are unlikely ever to be able to work again, or suffers from a Major Physical Impairment.
You must be aged 16 to 55 and working in an eligible occupation for at least 20 hours per week to apply for Permanently Unable to Work cover.3
Permanently Unable to Work cover must be taken out in conjunction with Life Cover. Any payment for Permanently Unable to Work cover will reduce any other cover under Life cover and Critical Illness cover by the payment amount. In certain circumstances this may mean the end of a cover or the Life insured’s policy.1
To make a claim call 1300 362 108 Monday–Friday, 8.00am-5.00pm AEST (excluding public holidays).
Making a claim can be a time of great stress, so it is important that all cases are handled sensitively and as quickly as possible. At Allianz Life, we believe we have a duty to all our policyholders to consider each claim fairly and professionally, with empathy and in a timely manner.
It is our business to pay genuine claims that are covered by the policy. Each claim will be assessed fairly, based on medical and other relevant evidence, using consistent guidelines and procedures in line with the policy terms and conditions.
Claims that meet the policy terms and conditions will be paid promptly when all necessary information has been received and assessed.
Life Insurance Code of Practice: Allianz Life has adopted the Life Insurance Code of Practice, which contains minimum standards of service and minimum standard medical definitions that customers can expect from insurers. The Code can be found on the Financial Services Council website.