- Capital Benefits – provides cover in the event of death or permanent disability.
- Non-Medicare Medical Benefits – provides reimbursement for items that are not claimable in any way through Medicare. Due to legislation, this does not include the Medicare Gap.
- Loss of Income cover – (where included) provides reimbursement of a claimant’s weekly income.
Three key points about Personal Injury insurance
- Personal Injury cover can pay for Non–Medicare medical expenses
‘Non-Medicare’ means medical costs that can’t be claimed through Medicare.Items include physio, chiro, dental, ambulance transport and private hospital accommodation.
- Personal Injury cover is not Private Health Insurance
It is law that Medicare items can’t be claimed on Personal Injury cover. These items can be claimed on Private Health insurance and include services such as doctors and surgeons.
- Personal Injury cover is not intended to be Life Insurance
Personal Injury cover is a policy for injuries occurring due to an accident. It is not a sickness or illness policy.