Optional Accidental Death Insurance

What does Accidental Death Insurance cover?

The Accidental Death Insurance benefit is paid if you pass away:

• as a direct result of an accident; and
• from injuries sustained in a sudden and unexpected event – for example, a fall or car accident – while your policy is active.

This optional benefit is intended to cover accidental death only, so if you pass away from any other cause, only the funeral insurance benefit amount will be paid.

For full details, including the definition of accident, and any applicable terms, conditions or exclusions, please refer to the PDS. 

What’s not covered?

The Accidental Death Insurance benefit won’t be paid if death results from:

• Illness, disease or natural causes
• Intentional self-inflicted injury, attempted suicide or suicide
• Illegal or criminal activities
• Alcohol or drug use (except where prescribed by a doctor)
• Participation in war (whether declared or not), war-like activity, illegal acts or civil unrest

For the full list of exclusions and policy terms, please refer to the PDS.

Some things you should know

• Death must occur within 30 days of the accident, or within 14 days after life support is stopped, provided life support first started within 30 days of the accident.
• An accident is an event causing bodily injury with no other contributing cause and is not self-inflicted.
• Cover ends when the funeral insurance benefit ends or the policy anniversary following the life insured’s 75^th birthday.

For more information about optional Accidental Death Insurance, download the PDS.