They do not apply to any of the following:The minimum standard medical definitions provided under the Code are:Cancer means any malignant tumour diagnosed with histological confirmation and characterised by:The term malignant tumour includes leukaemia, sarcoma and lymphoma.b) Heart attack – with evidence of severe heart muscle damageHeart attack means the death of a portion of the heart muscle as a result of inadequate blood supply, where the diagnosis is supported by the detection of a rise and/or fall of cardiac biomarker values with at least one value above the 99th percentile upper reference limit (URL) and with at least three of the following:If the tests specified in a) to d) above are inconclusive or unable to be met, then the definition will be met if at least three months after the event the insured's left ventricular ejection fraction is less than 50 per cent.c) Stroke – in the brain resulting in specified permanent impairmentStroke means death of brain tissue caused by one of the following:The diagnosis must be supported by both of the following:The following do not constitute “permanent neurological deficit with persisting symptoms”:The following information is to be read in conjunction with the ‘Critical Illness Cover’ section on page 13 of the PDS.We have adopted the Life Insurance Code of Practice, which contains minimum standard medical definitions for certain conditions. i�4"P0 E(1 I�(��C%BJ?�'d$"�D�E��"��О�~̥�? What does the OnePath Easy Protect Policy Cover? With support available online and over the phone, we're there for you when you need us. Information on Markets, International services and FX, Transaction services and Financing can now be found under ANZ Income Protection insurance is currently not available to new customers.
To find out what special offers maybe available to you, visit your local ANZ branch or call 13 33 33 for more information.The following paragraph is included as paragraph 4 under the ‘Definition and amount payable’ for the ‘Involuntary Unemployment Benefit’ on page 14 of the ANZ Credit Card Insurance Product Disclosure Statement.For policyholders holding a Temporary Business (Long Stay) – Standard Business Sponsorship (Subclass 457) Visa, who are not able to meet the requirements detailed in the paragraph above, subject to the application of the waiting period, benefit payments commence from when you provide evidence of your employment termination and evidence to our satisfaction that you are actively seeking employment in your country of residence.ANZ Mortgage Protection Insurance dated 28 February 2011The Product Disclosure Statement is updated by replacing the "Non-Disclosure – Life Benefit cover" section on page 2 with the following:If you do not disclose to us every matter that you know or could reasonably be expected to know, that would be relevant to our decision whether to accept the risk of the insurance and if so, on what terms, we may avoid the contract, or avoid your cover within three years of entering into it, provided that we would not have entered into that contract or accepted cover for you had full disclosure been made.Where we are entitled to avoid a contract of life insurance, we may elect not to avoid it but apply either of the following options:Where your contract is in respect of death cover, we may only apply the first of the two options and we must do so within three years of you entering into the contract or us providing cover to youANZ Loan Protection Insurance dated 28 February 2011The Product Disclosure Statement is updated by replacing the "Non-Disclosure – Life Benefit cover" section on page 3 with the following:If you do not disclose to us every matter that you know or could reasonably be expected to know, that would be relevant to our decision whether to accept the risk of the insurance and if so, on what terms, we may avoid the contract, or avoid your cover within three years of entering into it, provided that we would not have entered into that contract or accepted cover for you had full disclosure been made.Where we are entitled to avoid a contract of life insurance, we may elect not to avoid it but apply either of the following options:Where your contract is in respect of death cover, we may only apply the first of the two options and we must do so within three years of you entering into the contract or us providing cover to you.The Product Disclosure Statement is updated by removing the second and third paragraph in the "If you do not tell us" section of page 4.Home, Car and Landlord Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545).OnePath’s EasyProtect Life, EasyProtect Income, EasyProtect Major Illness and Accident Cover Plus is issued by OnePath Life Limited (OnePath Life) ABN 33 009 657 176, AFSL 238341.ANZ Mortgage Protection is issued by OnePath Life Limited (OnePath Life) ABN 33 009 657 176, AFSL 238341 and QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035, AFSL 239545.ANZ Credit Card Insurance is issued by OnePath Life Limited (OnePath Life) ABN 33 009 657 176, AFSL 238341 and OnePath General Insurance Pty Limited (OnePath General) ABN 56 072 892 365, AFSL 288160.ANZ Life Insurance and ANZ Recover Well are issued by OnePath Life Limited (OnePath Life) ABN 33 009 657 176, AFSL 238341.The information provided is of a general nature and has been prepared without taking into account your objectives, financial situation or needs.
Browse and buy a range of insurance coverage including home, motor and life.Unfortunately, this option is not currently available to Android users but we hope to bring it to you soon.We know income insurance claims can come at a stressful time.
We will pay a pro rata refund where premiums are paid annually and you cancel the policy before the next annual payment is due.ANZ Accident Cover Plus Product Disclosure Statement and Policy - dated 20 March 2012The following information will be included on page 2 of the PDS and Policy Terms.We have adopted the Life Insurance Code of Practice (‘Code’), which contains minimum standard medical definitions for certain conditions.
We recommend that you read the ANZ Financial Planners are representatives of ANZ, the holder of Australian Financial Services Licence number 234 527.OnePath Life has adopted the Life Insurance Code of Practice (the Code), which contains minimum standards of service that customers can expect from insurers. %%EOF
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