Major Illness Insurance

These days even those who appear healthy can be struck down by a sudden and serious illness such as heart attack, stroke or malignant cancer. 

The Major Illness Plan provides trauma insurance, with a payout of up to $100,000 which you can spend as you wish, so you can focus on recovery. It’s your way of helping make sure your family can continue to enjoy the lifestyle they’re used to.

Benefits at a glance:

  • Pays out up to $100,000 on diagnosis of six major illnesses, including cancer, heart attack and stroke.
  • Help protect you and your family from the financial impact of a major illness from just $2.95 a week.
  • Add your partner to your policy and receive a 10% discount.
  • Pays out in the event of death by any cause (excluding self-inflicted injury at any time and suicide in the first 13 months).
  • Easy over the phone application for Major Illness Plan - no medical tests required.

The Major Illness Plan helps to protect you and your family from the financial cost of six major illnesses: cancer, heart attack, coronary artery by-pass surgery, paralysis, permanent incapacity or stroke.

If you’re diagnosed with a major illness, we’ll pay your chosen cover amount up to $100,000, so you can focus on getting better without worrying about paying the bills. You can use the money any way you like - to pay for treatment, take time off to recover, or pay your living expenses while you’re unable to work.

Major illness insurance also covers you for death from all illnesses and accidents except suicide in the first 13 months and self-inflicted injury at any time. So you’ll know your family’s protected, no matter what the future holds.

Great reasons to take out Major Illness Insurance from InsuranceLine:

We’ll help protect your family

If you’re diagnosed with a major illness, including cancer, heart attack, stroke, coronary artery bypass surgery, paralysis or permanent incapacity after 90 days of starting your policy, we’ll pay a tax-free benefit up to $100,000. And if you become terminally ill or die from any cause other than suicide in the first 13 months and self-injury at any time, we’ll pay your benefit to your loved ones.

We’ll give you choice.

Choose the cover amount you need, then choose from a range of flexible payment options. Once you receive your payout, you can decide how to spend it - to pay for medical expenses, repay debt, cover household costs, or take a break with family or friends.

We’ll make things easy.

If you’re an Australian resident aged 16 to 55, you can apply over the phone in minutes, with no medical tests. There’s even a 30 day money back guarantee.

We'll speak in plain English.

We’ll explain everything clearly with no jargon whatsoever, so you’ll know exactly what’s covered and what isn’t.

We’ll be there when you need us most.

If you or your family ever need to make a claim, we make the process as stress free as we can, with personal attention from an experienced Claims Manager.

Want to know more about a Major Illness Plan? Read the Major Illness Plan Product Disclosure Statement, call 13 77 87 or get a quote today.

“It won’t happen to me”. We all like to think that we’re invincible - but wouldn’t it be good to know that if you did fall seriously ill, you could still keep your promise to look after your family?

Even if you’re not the main breadwinner in your family, it’s important to be covered for expenses such as extra childcare and household help. And to help make the Major Illness Plan more affordable for everyone, we’ll give you a 10% discount on the cost of your partner’s policy if you take out a second Major Illness Plan with us.

To find out more about the Major Illness Insurance Plan and whether it’s right for you, call us on 13 77 87, or read the Major Illness Plan Product Disclosure Statement.

You can apply for up to $100,000 in Major Illness insurance cover. How much you choose is up to you, and will depend on the amount you think you and your family might need to help you through your illness.

With flexible fortnightly or monthly payments, the Major Illness Plan is an easy and affordable way to help protect your family from the financial cost of a major illness. 

Want to know more about a Major Illness Plan? Call 13 77 87 or get a quote today.

At InsuranceLine, we'll answer all of your questions in plain English, so you know exactly where you stand.

Here you can find answers to the most common questions we get asked about our Major Illness Plan. For anything else, call us on 13 77 87 or read the Major Illness Plan Product Disclosure Statement.

What’s covered and what’s not?
With the Major Illness Plan, you’ll be covered for death and terminal illness, as well as these six major illnesses:

• Cancer
• Heart attack
• Stroke
• Coronary Artery By-pass Surgery
• Paralysis
• Permanent Incapacity

Medical definitions for these major illnesses can be found in the Product Disclosure Statement.

There are some situations in which we won’t pay a benefit. These include:

• If you are diagnosed with a major illness, or it becomes apparent, within 90 days of starting your plan
• If your major illness is caused by self-harm
• If you become terminally ill or die as a result of self-harm within the first 13 months of starting your plan

Is there a waiting period?
There is a 90 day waiting period from the date you start your Major Illness Plan. If you are diagnosed with a major illness (or it becomes apparent) within the first 90 days of starting your policy, we will not pay a claim.
You are covered for accidental death as soon as your policy starts.

What happens if I leave information out when I apply?
It's very important to give us all the information we request when you apply for the Major Illness Plan, and to answer all of our questions honestly and completely. If there’s a claim, we’ll need to check your medical records - and if it turns out you didn’t reveal something important, we may have to refuse the claim.
That’s not something we want to do, especially when you and your family are under stress, so it’s best to be open with us from the start.

Can I get cover at any age?
Australian residents aged 16 to 55 can apply for the Major Illness Plan with InsuranceLine. Once accepted, your policy can continue until your 69th birthday. On that date, your policy will end.

Will my premiums go up?
We work hard to give everyone great value insurance, but unfortunately the cost of providing this major illness insurance does rise as you get older. For that reason, your Major Illness Plan premiums are likely to increase over time. But you can be confident that we keep increases to a minimum, and we’ll give you at least 30 days' notice of any changes.

Your premiums will also go up if you add another person to your policy or increase the cover amount. If you choose our inflation protection option, your level of cover will grow over time, protecting the value of your major illness insurance payout against inflation. That means your premiums are also likely to rise slightly from year to year.

What if I can’t pay my premiums?
Let us know immediately if you can’t pay a premium so we can help you work out an alternative arrangement. Your Major Illness Plan will cease if your premiums are more than 30 days overdue and you will lose this valuable benefit.

If I cancel my policy, will I get a refund?
When you take out the Major Illness Plan from InsuranceLine, we give you a 30 day money back guarantee - so if you cancel your major illness insurance policy in the first 30 days, we’ll give you a complete refund.
After that, there are no refunds. Your policy simply gives you major illness insurance cover - it is not a savings plan.

Who will I be dealing with during my claim?
You will be given a dedicated Claims Manager whose details will be on the accompanying cover letter that we’ll send in the event of a claim.  They will personally oversee your case and help you work through the details of your claim.

You can contact your dedicated Claims Manager while you are settling your claim. They will explain anything that is not covered here or talk through any concerns you might have.

Want to know more about a Major Illness Plan? Call 13 77 87 or get a quote today.


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