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Ambulance Cover Funeral Cover Journey Accident Cover Exclusions

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					Ambulance Cover                             Funeral Cover                            Journey Accident Cover Exclusions
Who Is Covered?                             Who Is Covered?                          Who Is Covered?                           These exclusions apply to all three
•   Financial members of the CFMEU          •   Financial members of the CFMEU       •   Financial members of the CFMEU        insurance covers.
    (Building & Construction Division)          (Building & Construction Division)       (Building & Construction Division)
•   Financial members of the CEPU           •   Financial members of the CEPU        •   Financial members of the CEPU         1. If the injury was deliberately self-
    (Plumbing Division                          (Plumbing Division                       (Plumbing Division                        inflicted or inflicted by another
•   Financial members of BIRST              •   Financial members of BIRST           •   Financial members of BIRST                person at the direction of the
    (contributions within the last 3            (contributions within the last 3         (contributions within the last 3          insured.
    months or a balance exceeding               months or a balance exceeding            months or a balance exceeding         2. If the insured is 65 years or older.
    $1,000)                                     $1,000)                                  $1,000)                               3. If the injury or illness is attributable
•   The immediate family of a financial                                                                                            to a pre-existing illness or
    member including spouse,                                                         What Is Covered?                              pregnancy.
    dependent children under 16 and                                                  A financial member injured while          4. If the insured was travelling by
    full time students under 25 that do                                              engaged in a direct journey between           aircraft other than as a passenger.
    not receive any separate taxable                                                 the boundary of their place of            5. If the injury was caused by the
    income.                                                                          residence and their place of                  insured while under the influence
                                                                                     employment for the purpose of starting        of alcohol or any narcotic or drug.
What Is Covered?                            What Is Covered?                         or ending their day’s work will be        6. If the injury causes the insured to
                                                                                     covered for loss of 85% of income for         contract HIV or AIDS.
Emergency road transport incurred           The charges incurred for funeral         up to 24 months.                          7. If the injury was suffered while
arising out of an injury resulting from     expenses of the insured person up to a                                                 engaged in a professional sporting
an accident.                                maximum of $5,000.                       Income in the case of an employee             activity.
                                                                                     means gross weekly rate of pay not        8. If the injury was suffered while
Emergency road transport arising out                                                 including bonuses, commissions,               engaged in a motor race or rally.
of illness provided the transportation is                                            overtime and allowances. If you are       9. Results from stress and/or anxiety
medically necessary and this can be                                                  not an employee, your gross weekly            related conditions or psychotic,
confirmed by a legally qualified medical                                             income derived from personal exertion         mental or nervous disorders.
practitioner.                                                                        after deducting any expenses              10. Injury arising from asbestos or
                                                                                     necessarily incurred by you in deriving       materials containing asbestos.
                                                                                     that income.                              11. Injury that occurs as a result of
                                                                                                                                   war, invasion, war like operations,
                                                                                     No compensation is payable in the first       rebellion, revolution, civil
                                                                                     14 days.                                      commotion or terrorism.

                                                                                     No compensation is payable if cover is
                                                                                     provided by Workers Compensation or
                                                                                     the Traffic Accident Act.


    These are summaries of the insurance cover provided. Copies of the full policies are available by contacting BIRST.

				
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Description: Ambulance Cover Funeral Cover Journey Accident Cover Exclusions