Continuous Care Cover

A modern approach to long-term care protection

Traditional TPD is there for you to help pay your mortgage and bills; Continuous Care Cover is there so you do not have to worry about being a financial burden on your family when someone needs to take care of you.

What Continuous Care Cover provides

Continuous Care Cover pays a lump sum if the life insured needs to pay for carer costs from a professional or needs a family member to care for them full time. This cover can be combined with a traditional, working any or own occupation definition TPD policy, to allow protection for disabilities that require continuous long-term care or significant home modifications.

Continuous Care Cover product details (at a glance)

Lump Sum Payment
Available for those aged 15 – 60
End age 65
Minimum $250,000
Maximum $5,000,000 (TPD Combined)
Available as non-super or super

Continuous Care covers events where

The life insured has been permanently disabled and has been under continuous care for at least 3 consecutive months, and has undergone, or is continuing to undergo, all reasonable and appropriate treatment including rehabilitation.
Ongoing care (an average of 6 hours a day) is required from a professional or family member who needs to cease work and this is confirmed by objective medical evidence
*Please read the PDS which contains details of when all benefits available under Continuous Care Cover are payable.

Important: Please read the OneCare PDS for details of when all benefits under Continuous Care Cover are payable, including definitions, exclusions and limitations.

Who this cover is designed for

Continuous Care Cover better suits modern ways of working, the health landscape and client protection needs.

We have designed this innovative cover for clients that are;

Value Driven - want tailored cover at a more affordable price. Continuous Care Cover costs approximately 70% less than OneCare standalone any occupation TPD.
High Net Worth - Require a higher sum insured than is allowed with traditional cover.

More OneCare options

OneCare provides a full range of insurance covers, including:

More Information

Forms and Brochures

OneCare Product Disclosure Statement (PDS)en, pdf, 1712.31KB

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.

* You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath to earn Qantas Points on eligible insurance policies. Eligible insurance policies are the policies listed in the ‘OnePath and Qantas Frequent Flyer Rewards terms and conditions’ available at onepath.com.au/qff-terms-conditions, as defined for ‘Eligible OnePath Insurance Policy’. A joining fee usually applies. However, OnePath has arranged for this to be waived for new customers who join at qantas.com/onepathjoin. This complimentary join offer may be withdrawn at any time. Membership and points are subject to Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. The maximum number of points you can earn on eligible policies is capped at 20,000 points per year, per policy. Qantas Points accrue in accordance with and subject to the ‘OnePath and Qantas Frequent Flyer Rewards terms and conditions’. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about these products or the information provided by OnePath in this communication.

OnePath has adopted the Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The Code can be found at www.fsc.org.au.