Personal Injury Insurance (for the immediate family of Members) – Frequently Asked Questions

1.     Where can I obtain a copy of the Policy?

Here: Personal Injury Insurance (for the immediate family of Members) Policy

2.     What does the policy cover?

You should refer to the Product Disclosure Statement and Policy Wording for full details of coverage, however in brief the policy covers insured persons for permanent disability or death as a result of an accident. It does not cover sickness, medical expenses or income protection/salary continuance.  The policy also includes a ‘Bed Care Benefit’ which is a payment calculated daily for the time you are hospitalised (for more than 24 consecutive hours) as a result of an accident only.

3.     How much am I covered for?

You should refer to the “Table of Events” which is on page 4 of the Product Disclosure Statement and Policy Wording for full details, however in brief the sum insured for each adult as a result of death is $30,000 along with a number of other benefits which are outlined in the “Table of Events”.  The maximum benefit payable on the policy is in respect to Quadriplegia and Paraplegia, which is $60,000. The Bed Care Benefit is $50 for each day you are hospitalised. Subject to policy terms and conditions.

4.     What is the definition of “Dependent Children”?

This is explained on page 9 of the Product Disclosure Statement and Policy Wording under the heading ‘Dependent Children’, however Dependent Children means your unmarried Children who are:

  1. over six (6) months of age and under nineteen (19) years of age; or
  2. under twenty-five (25) years of age while they are full-time students at an accredited institution of higher learning;

and at the time of an Event giving rise to a claim are primarily dependent on you for maintenance and support.

Dependent Children includes step or legally adopted children.

5.     Where do I send my application form?

You should send your completed form together with a cheque or money order for $11.00 to the PSA at the address provided below.

Public Service Association of NSW
GPO Box 3365
Sydney NSW 2001

 

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