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.