OneCare Policy Terms
What are policy terms?
The terms and conditions of your insurance policy specify the benefits, features and options of the insurance cover. The terms also describe insurable events and any possible exclusion from the period the policy commenced
View your Policy Terms
To view the policy terms relevant to your insurance policy click on the policy type you hold from the below tabs. This will be shown on your recent letter under ‘Obtaining your policy terms’:
- OneCare (includes OneCare External MasterTrust and OneCare SMSF)
- OneCare Super
We're here to help
If you have questions, call us on 133 667 between 8.30am and 6.00pm on weekdays (AEST). We can also provide you with your own printed copy of the policy terms, just ask one of our friendly staff.
Policy Terms for OneCare policies
To view the policy terms relevant to your insurance policy, click on the date when your policy was issued:
OneCare issue periods
- 1 October 2005 to 13 February 2007
- 14 February 2007 to 30 June 2007 (supplementary policy terms and previous policy terms from 1 October 2005)
- 1 July 2007 to 30 April 2008 (supplementary policy terms and previous policy terms from 1 October 2005)
- 1 May 2008 to 24 May 2009
- 25 May 2009 to 28 February 2010
- 1 March 2010 to 11 July 2010 (supplementary policy terms and previous policy terms from 25 May 2009)
- 12 July 2010 to 14 November 2010
- 15 November 2010 to 25 May 2012
- 14 March 2011 to 25 May 2012 (supplementary policy terms and previous policy terms 15 November 2010)
- 26 May 2012 to 13 September 2013
- 14 September 2013 to 30 June 2014 (or for OneCare External MasterTrust)
- 1 July 2014 to 22 May 2016 (or for OneCare External MasterTrust or OneCare SMSF)
- 23 May 2016 to 5 November 2016 (or for OneCare External MasterTrust or OneCare SMSF)
- 6 November 2016 to 17 March 2017
- 18 March 2017 to 18 August 2017 (supplementary policy terms and previous policy terms 6 November 2016)
- 19 August 2017 to 12 April 2019
- 13 April 2019 to 29 November 2019
- 30 November 2019 to 31 January 2020 (supplementary policy terms and previous policy terms 13 April 2019)
- 1 February 2020 to 31 March 2020 (supplementary policy terms and previous policy terms 13 April 2019)
- 1 April 2020 to 14 July 2020
- 15 July 2020 to 28 March 2021(supplementary policy terms and previous policy terms 1 April 2020)
- 29 March 2021 to 26 September 2021
- 27 September 2021 to 31 July 2022
- 1 August 2022 to 30 September 2024
- 1 October 2024 to 11 July 2025
- 12 July 2025 to 31 July 2025 (supplementary policy terms and previous policy terms 1 October 2024)
- 1 August 2025 - 30 September 2025 (supplementary policy terms and previous policy terms 1 October 2024)
- 1 October 2025
Zurich Australia Limited, trading as OnePath Life (ABN 92 000 010 195, AFSL 232510) (Zurich or OnePath) issues OneCare including OneCare External Master Trust and OneCare SMSF.
Brighter Super Trustee (ABN 94 085 088 484, AFSL 230511, RSE L0000178) (Trustee) is the trustee of Brighter Super (ABN 23 053 121 564, RSE R1000160) (Fund) and the issuer of OneCare Super. Zurich is the administrator and insurer for OneCare Super.
This information does not take into account your personal objectives, financial situation or needs. You should consider these factors and the appropriateness of the information to you. Consider seeking advice specific to your individual circumstances from an appropriate professional. You should also consider the relevant Product Disclosure Statement (PDS) for the product available at OneCare Policy Terms | OnePath or by calling us on 133 667 in deciding whether to acquire or continue to hold the product. Furthermore, some relevant products have been designed to meet certain objectives, financial situations and needs, which are described in its Target Market Determination available at Target Market Determinations | OnePath.