Zurich Active

Zurich Active covers 169 health events – more than any other trauma insurance in Australia. Importantly, it also has a built in claim protector and a safety net which measures permanent functional capacity limitations arising from sickness or injury (if there is no possible claim under any specifically defined health event)

Additional Death Cover, Extended Care,Income Cover and Child Cover are optional.

You can indicate whether you want to include these in your Active cover when you apply.

With Active, clients are more likely to get the help they need – across a broader spectrum of health events. This spectrum covers 169 health events across many body systems including cancer, heart and artery, brain and nerves, digestive system, musculoskeletal system.

Health events are categorised by severity, A being the most severe, E the least, providing your client with financial protection during the early stages of progressive health events and should the condition deteriorate the client can make subsequent claims at higher benefit levels.

Active is a true multi-claim policy, allowing multiple claims under one policy, with each claim reducing the remaining cover available. This feature provides smarter, ongoing protection.

The ability to make multiple claims, and benefit amounts that are designed to align to the seriousness of the condition is unique in the Australian market, and more in line with how a modern, traumatic illness would impact a client’s life.

Lower claimable thresholds for many conditions mean that clients can start claiming at earlier stages once they experience a health event. Although the client may not receive the full benefit for every Active claim, they are much more likely to make a claim on the policy, and receive an amount relative to the severity of the condition.

A client has a higher probability of a successful claim with Zurich Active (See Zurich Active Claim Examples on page 12) than a traditional trauma product. Being able to make multiple claims for unrelated conditions is a very important feature for those who want a degree of certainty and protection after recovery.

Some health conditions don’t fit specific health event definitions. If a client suffers from a serious medically recognised illness that doesn’t meet a defined health event, the safety net may provide a benefit. We assess permanent inability to perform an occupation or permanent inability to perform activities of daily living, such as self-care or communication.