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Cbus Accident & Sickness Insurance
The Cbus Accident & Sickness Insurance scheme provides Cbus members with low cost Accident and Sickness insurance cover, 24 hours a day, 7 days a week, worldwide, for loss of income as a result of injury or illness.
How does it work?
The Cbus Accident & Sickness scheme's low cost insurance cover is flexible, letting you design your own type of cover. You can insure yourself for up to 100% of your income (capped at $3,000 weekly benefit). You can also elect a waiting period of 14, 28, 60 or 90 days - It’s your choice.
What are the features?
Most occupations are covered
Option to include cover for lump sum (capital) benefits for death and permanent disability resulting from injury or disappearance
Premiums may be tax deductible
You can choose between a two year or three year benefit period
Worldwide cover for 24 hours a day, 7 days per week
Cover is available for stress, anxiety and depression, subject to the underwriter's discretion
If your employment ceases as a result of disability after you make a claim, benefits continue to be paid
If you return to work in a reduced capacity, partial disability benefits are payable
Range of payment options available, including credit card, bank deposit and monthly instalments
This cover is provided outside of your Cbus superannuation account, therefore premiums cannot be deducted from your superannuation account. The premium must be paid directly to the insurer.
For more information:
Call our friendly Cbus Accident & Sickness team on 1300 362 146. If you call outside business hours between 9am to 5pm Monday to Friday, please leave your name and a brief message and we will return your call on the next business day.
You may also email (email@example.com) us your enquiry.
Cbus Accident & Sickness Premium Calculator
Click on the icon to get a quote
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Key Restrictions and Limitations: Pre-existing conditions are not covered under this policy and any payable condition must occur within twelve (12) months of the date of Illness or Injury.
The policy defines a pre-existing condition as ‘any injury, illness, disease, sickness, chronic or degenerative condition, medical condition and any other condition or symptoms thereof, for which the insured person has received any form of medical or prescribed treatment including medication, advice or attention from a registered medical practitioner, chiropractor, physiotherapist, psychiatrist or naturopath, at any time prior to the commencement of each period of insurance. This does not include the common cold or flu viruses’
Additional exclusions and limitations apply as outlined in the PDS and applicable endorsements.