Australian Netball Risk Protection Program

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Capital Benefits – Insurance Cover Limits

What does this section cover?

This section provides cover for the Specified Events as set out in the table below.

What are the limits payable?

$100,000 maximum

Benefit National Program Cover
1.

Death

If you are under 18 years of age

100%

$10,000
2. Permanent & Incurable Quadriplegia 100%
3. Permanent & Incurable Paraplegia 100%
4.
  1. Permanent Total Loss of entire sight in both eyes
  2. Permanent Total Loss of entire sight in one eye

100%

100%
5.
  1. Loss of or Permanent Total Loss of use of two limbs
  2. Loss of or Permanent Total Loss of use of one limb

100%

100%
6.
  1. Permanent Total Loss of the lens in two eyes
  2. Permanent Total Loss of the lens in one eye

100%

50%
7.
  1. Permanent Total Loss of the use of hearing in both ears
  2. Permanent Total Loss of the use of hearing in one ear

75%

30%
8. Third degree burns and/or resultant disfigurement received from fire or chemical reaction which extends to cover more than 40% of the entire external body 50%
9. Permanent Total Loss of use of four fingers & thumb of either hand 70%
10. Permanent Total Loss of use of four fingers of either hand 40%
11.
  1. Permanent Total Loss of use of one thumb of either hand – both joints
  2. Permanent Total Loss of use of one thumb of either hand – one phalanx joint

30%

15%
12.
  1. Permanent Total Loss of use of fingers of either hand – three phalanges joints
  2. Permanent Total Loss of use of fingers of either hand – two phalanges joints
  3. Permanent Total Loss of use of fingers of either hand – one phalanx joints

10%

7%

5%
13.
  1. Permanent Total Loss of use of toes of either foot – all – one foot
  2. Permanent Total Loss of use of toes of either foot – great – both joints
  3. Permanent Total Loss of use of toes of either foot – great – one joint
  4. Permanent Total Loss of use of toes of either foot – other than great – each toe

15%

5%

3%

1%
14. Fractured leg or patella with established non-union 10%
15. Shortening of leg by at least 5cm 7%
16. Permanent and incurable total loss or use of all limbs 100%

Any benefit payable in the Schedule above is limited to 20% of the amount if the injury occurs whilst a person is travelling directly to or from an activity covered under the policy.

Any permanent physical disability not included in events 4 to 16 above.

Any permanent total loss of use of any body part not shown above will be compensated at a percentage of $50,000 as determined at the sole discretion of the Underwriter. Such determination will not be inconsistent with the benefits provided under events 4-16 inclusive. The benefit payable will be relevant to the insured persons capacity of employment

Age Limitations

The age limitations under this section of the Program are as follows:

Insured Persons 18 to 85 years
$100,000
Insured Persons Under 18
$10,000
Insured Persons Under 18 (Accidental Death Only)
$20,000
Insured Persons (non-players only) Aged 86 to 100 years (Accidental Death Only)
$20,000

© 2008 Jardine Lloyd Thompson Pty Limited – ABN 69 009 098 864 AFS Licence No: 226827