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Accident Insurance More Information

Introducing Guardian Accident Insurance

With Guardian Accident Insurance in place you can now have peace of mind knowing that you have a measure of financial protection in the event of your Accidental Death or Accidental Serious Injury.

Accident Insurance will provide you with a benefit – either to help secure your family’s financial security, or to help you on the path to recovery from an Accidental Serious Injury. You can apply for Accident Insurance on its own, and you also have the option to add a Children’s Insurance option to your Accident Insurance.

Under the Children’s Insurance option a lump sum benefit is paid in the event of Accidental Death or injury or illness resulting in Paralysis, Blindness, Deafness, Total and Permanent Loss of Use of Two Limbs, Encephalitis, Meningitis or Major Head Trauma of the Insured Child.

1. What is Accident Insurance?

Accident Insurance provides a benefit in the event that a Life Insured under the Policy either suffers an Accidental Death, or experiences one of the following injuries as a direct result of an Accident and within 12 months of that Accident:

  • Quadriplegia;
  • Paraplegia;
  • Hemiplegia;
  • Blindness;
  • Deafness; or
  • Total and Permanent Loss of Use of Two Limbs.

2. Accident Insurance eligibility

You can apply for a Single Plan on your own life (Key Life Insured) or you can apply to include your spouse, partner, and/or de facto (Partner Life Insured) under your Policy (Joint Plan).

You (and your Partner Life Insured, if applying) must be Australian Resident/s aged between 18 and 69 years of age.

Providing you meet this eligibility criteria, we guarantee to accept your application for Accident Protection Cover.

3. Accident Insurance Benefit Amount

The minimum Benefit Amount is $50,000. The maximum Benefit Amount for a Life Insured under the Policy at the Commencement Date is $1,000,000.

When you apply with a Partner Life Insured, you both apply for individual sums insured based on the limits above.

4. Accident Insurance benefit payment

We will pay the benefits explained below if the Life Insured suffers an insured event, namely Accidental Death or Accidental Serious Injury, while covered under the Policy except in the circumstances explained in “Accident Insurance exclusions”.

Accidental Death

We will pay the Accident Insurance Benefit Amount as a lump sum in respect of a Life Insured under the Policy in the case of Accidental Death which occurs before the Accident Insurance Expiry Date in respect of that Life Insured.

Accidental Serious Injury

We will pay the Accident Insurance Benefit Amount as a lump sum in the case of:

  • Quadriplegia;
  • Paraplegia;
  • Hemiplegia;
  • Blindness;
  • Deafness; or
  • Total and Permanent Loss of Use of Two Limbs

occurring to the Life Insured as a direct result of an Accident while covered under the Policy and where the Serious Injury occurs within 12 months of the Accident.

The Serious Injury must be diagnosed by a Medical Practitioner within 12 months of the Accident and confirmed by our medical advisers.

Limit on benefits

The total benefits payable for a Life Insured under a Policy cannot exceed $1,000,000, plus any automatic increases.

If the Life Insured is covered under more than one Guardian Accident Insurance Policy, we will apply this limit to the total of the benefits payable for the Life Insured under all Guardian Accident Insurance policies. Any reduction in the Benefit Amount will be applied to the Insurance most recently commenced and we will refund the premiums paid referable to the amount by which the Benefit Amount is reduced.

Only one Accident Insurance Benefit Amount is payable per Life Insured.

5. Accident Insurance premiums

Premiums are the cost of your Insurance. The premium you are required to pay when the Policy starts is shown in the Policy Schedule.

Your premium is calculated at each Policy Anniversary and is based on:

  • the Benefit Amount provided for each Life Insured; and
  • the Insurance Plan chosen by you (Joint Plan or Single Plan).

For a quote you should contact a Guardian Insurance Consultant on 1300 709 560.

6. Accident Insurance exclusions

We will not pay a Benefit Amount in respect of a Life Insured if the Life Insured suffers an Accidental Death or an Accidental Serious Injury directly or indirectly as a result of:

  • an intentional self-inflicted bodily injury;
  • engaging in any criminal activities or illegal acts;
  • suicide or attempted suicide;
  • the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for drug addiction or dependence);
  • the consumption of intoxicating liquor, including having a blood alcohol content over the prescribed legal limit whilst driving;
  • engaging in any professional sport (meaning the Life Insured’s livelihood is substantially dependent on income received as a result of playing sport);
  • engaging in any motor sports as a rider, driver and/or passenger;
  • war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion; or
  • being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft.

7. Accident Insurance start and end

If your application for Accident Insurance is accepted by us, cover starts for a Life Insured on the Acceptance Date set out in the Policy Schedule. Your first premium is deducted from the Commencement Date, which is also set out in the Policy Schedule.

The Accident Insurance ends for a Life Insured when the first of the following occurs:

  • the date of payment of an Accidental Death or Accidental Serious Injury claim for that Life Insured;
  • the date you cancel the Policy;
  • the date we cancel the Policy; or
  • the Expiry Date.

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  • No medical exam
    No blood test to apply
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