OnePath's EasyProtect Major Illness insurance frequently asked questions section provides useful information about OnePath’s EasyProtect Major Illness insurance policies, including information about cost, claims, quotes and premiums.
Click on the get a quote link. It's quick and easy to get an EasyProtect Major Illness insurance quote and buy your insurance policy online.
You can get an EasyProtect Major Illness insurance quote in a matter of minutes. If you decide to buy you will then need to answer some health, occupational and pastime questions.
All you need to do is complete the quote section of our online application.
Your EasyProtect Major Illness insurance cover starts immediately after you buy the insurance online. Once your payment is confirmed, a printable version of your Policy Schedule confirming when your EasyProtect Major Illness insurance cover started and your level of cover will be then available.
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OnePath is offering OnePath’s EasyProtect Major Illness insurance as a way for customers to take out cover for major illness or injury. Depending on your age, OnePath’s EasyProtect Major Illness insurance can offer up to $750,000 cover. Also, OnePath allows you to take out the policy over the phone or online, so there are no forms to complete.
Life insurance is the type of insurance that can provide a benefit only in the event of death or terminal illness. A major illness or injury can affect you for months or even years, and few people can afford that sort of time off work. EasyProtect Major Illness insurance cover can provide a benefit if you suffer a major illness or injury like a heart attack, cancer or paralysis.
OnePath’s EasyProtect Major Illness insurance is issued by OnePath Life Limited (OnePath Life) ABN 33 009 657 176 AFSL 238341 – a registered life insurance company – it is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). One Path Life is owned by ANZ – it is the issuer of the product but it is not a Bank. Except as set out in the issuer's contract terms (including the PDS), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuer. OnePath has been providing insurance to our customers in Australia since 1985.
The Product Disclosure Statement is a document which summarises the important information you should know about OnePath’s EasyProtect Major Illness insurance and is designed to assist you in deciding whether or not to purchase or keep OnePath’s EasyProtect Major Illness insurance. You can download the PDS on our website.
For the purposes of the EasyProtect Major Illness insurance policy, an Australian resident is defined as a holder of Australian or New Zealand Citizenship, or an Australian Permanent Residency Visa; currently residing in Australia at the time of application
Life insurance is the type of insurance that can provide a benefit only in the event of death or terminal illness. OnePath's EasyProtect Major Illness insurance can provide a benefit if you have a major illness, life cancer or stroke.
EasyProtect Major Illness insurance could pay you financial benefit should you suffer a major illness or injury, such as cancer, heart attack or paraplegia. EasyProtect Major Illness insurance does not restrict how the payout can be used. For example, it could be used to pay off your mortgage and any other debts you have. It can also be used to supplement your health insurance cover, to pay for out of pocket expenses, or even to take a recuperative holiday.
OnePath’s EasyProtect Major Illness insurance policy covers you in the event that you suffer one of the following conditions covered (after the relevant qualifying criteria), as they are defined in the policy:
Depending on your age you can take up to $750,000 cover:
The minimum level of cover you can apply for is $25,000.
Yes. Cover for:
is subject to a 90 day qualifying period. You will not be entitled to cover for these conditions if the condition first occurs, is first diagnosed or the symptoms leading to the condition first became apparent during the first 90 days after the date from which cover commences, the date of reinstatement or the date of an increase (in respect of the increased portion of cover).
You may be eligible for OnePath’s EasyProtect Major Illness insurance if you are:
For this product, we can not advise you on your financial needs. You should choose what you think is the most appropriate level of cover for you. If you are unsure you should speak with one of OnePath’s Financial Advisers on 133 667 or other professional, such as your accountant.
If you require a higher level of cover than is available under OnePath’s EasyProtect Major Illness insurance then it is suggested that you should speak with one of OnePath’s Financial Advisers on 133 667, who may be able to give you advice about products with higher levels of cover.
To be eligible to apply for OnePath’s EasyProtect Major Illness insurance you must be aged between 18 and 59 years and hold an Australian or New Zealand citizenship, or an Australian Permanent Residency Visa, and currently residing in Australia at the time of application.
There are a number of health and lifestyle questions which we ask you as part of the application process and your answers to these will determine whether or not we can offer you cover under OnePath’s EasyProtect Major Illness insurance.
There are absolutely no blood tests or medicals to take however to keep premiums low – we do ask some occupation, health and pastime questions.
If accepted, your critical illness cover would start immediately.
You can cancel your policy at any time. If you cancel within the 21 days cooling off period, and no claims have been made, you will receive a full refund of any premiums paid.
Cover for all benefits for a life insured will end on the policy anniversary date after that life insured’s 70th birthday.
Your cover can be cancelled by you any time. OnePath can cancel the policy if you do not pay premiums when due.
Yes – you are covered anywhere in the world, 24 hours a day, 365 days a year, subject to the policy terms which include a war and travel exclusion. The travel exclusion will operate to exclude cover if you a claim arises while you are visiting a country for which the Australian Department of Foreign Affairs and Trade has issued a ‘Do Not Travel' warning advice that is in force during the time you stay in that country.
Under the war exclusion, we will not pay a claim arising directly or indirectly from war (whether formally declared or not), hostilities, civil commotion or insurrection.
You cannot increase your cover after the end of the cooling off period. However OnePath will automatically increase your level of cover each year to keep pace with inflation, unless you request that you don’t want this. From time to time, OnePath may also offer you an upgrade of cover.
You can decrease your cover at any time by notifying OnePath.
Yes, when you apply for EasyProtect Major Illness you can apply for cover for your spouse/partner as a second life insured. You will remain the policy owner and principal life insured on the policy.
No, if you wish for your partner to call back later, they will be on a separate policy and will not get the combined cover discount.
Yes there are, these include any claim arising directly or indirectly from:
Also, you must survive 8 days without life support after the date of occurrence or diagnosis of a specified condition to be eligible to claim under this policy. You should read the EasyProtect Major Illness Product Disclosure Statement and Policy for a full list of exclusions.
OnePath’s EasyProtect Major Illness insurance provides worldwide coverage, 24 hours a day 365 days per year, providing you meet the eligibility requirement at the time of application. However, a travel exclusion will operate to exclude cover if a claim arises while you are visiting a country for which the Australian Department of Foreign Affairs and Trade has issued a ‘Do Not Travel' warning advice that is in force during the time you stay in that country and war exclusions also applies.
Please remember though that all claims will be paid in Australian dollars in Australia, and the premiums must be paid in Australian dollars.
This material contains general information only and does not take into account your individual objectives, financial situations or needs. Before acting on this information you should assess whether it is appropriate for you. You should also consider the Product Disclosure Statement (291kb PDF) before making any decisions about this product. EasyProtect Major Illness is issued by OnePath Life Limited (OnePath Life) ABN 33 009 657 176 AFSL 238341.
* You must be a Qantas Frequent Flyer member and correctly register valid membership details with OnePath to start earning Qantas Frequent Flyer points on eligible OnePath premiums you pay. Points are earned in accordance with the ‘OnePath and Qantas Frequent Flyer Rewards Terms and Conditions’. Membership and points are subject to Qantas Frequent Flyer program terms and conditions available at qantas.com/frequentflyer. Points are only earned on premiums you pay after OnePath has received your Qantas Frequent Flyer membership details. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about these life insurance products.
EasyProtect Major Illness is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238341). OnePath Life is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522, an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Life is the issuer of the product but it is not a Bank. Except as set out in the issuer’s contract terms (including the EasyProtect Major Illness Product Disclosure Statement and Policy (PDS)), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuer. The information provided is of a general nature and does not take into account your personal needs and financial circumstances. You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs.