Benefit 11: Loss of Income

This benefit is a weekly payment if You are unable to return to Your usual occupation in Australia, due to the circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

You must:

Obtain a medical report from Your Medical practitioner Overseas regarding the nature of Your Injury and confirming Your disablement.
Obtain a medical report from Your Medical practitioner in Australia once You return Home outlining the treatment plan for Your return to Your usual occupation in Australia, the expected return to work date or length of expected disablement.
Provide Us with satisfactory evidence of Your employment in Australia and Your scheduled return to work date after Your Trip, confirming that You had work to return to in Australia.
Provide Us with satisfactory evidence of Your lost income by providing Us with Your recent payslips.
We will only pay if You cannot perform Your normal or suitable alternative work and You lose all Your income.
This benefit does not provide cover for claims that Arise from COVID-19. The cover We provide specific to COVID-19 is found under Benefit 27 and Benefit 28.

Up to the limits set out in the Benefit Summary above, if:

You are Injured during Your Overseas Trip and become disabled within 30 days of the Injury date because of the Injury, and
the disablement continues for more than 30 days after Your return from Your Overseas Trip to Your Home (Your “waiting period”), and
You are unable to return to Your usual occupation in Australia,

We will pay You up to $400 per person, per complete week of continued disability following the waiting period for a period of up to 26 weeks to replace Your lost weekly wage, net of income tax, that meets the cover conditions above.

For any claims related to COVID-19.
For the first 30 days of Your disablement from the time You return to Your Home.
For the loss of income of Dependants.
For loss of income for any job which You held while Overseas.
For more than the applicable limits set out in the Benefit Summary above.
For any claims related to any Sickness You develop from Your Trip and/or Medical conditions listed on Your Certificate of insurance.

Please also read General Exclusions that apply to all benefits.