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February 7 Product Updates

Adviser Information Hub

Everything you need to know about our product changes from 7 February, 2025

We’ve created this ‘Information Hub’ as a one-stop resource centre to help you understand the changes we have implemented to our products from 7 February 2025. This update delivers improvements to our trauma definitions and underwriting requirements which are outlined below. 

Two improvements are being made to trauma definitions.  These will apply to new policies and are being passed back to customers who have policies with PDS dated 1 October 2024.

What has changed

The benefit

Angioplasty (triple vessel) definition The definition covers angioplasty of all arteries and their branches

Cancer (excluding early-stage cancers) definition

An exclusion for certain thyroid cancers is removed


Updated versions will be available from 7 February 2025: OneCare PDS The Adviser Guide

After an extensive review with our medical experts, we have simplified our underwriting requirements

What has changed

The benefit

GP Medical Exams replaced with Express Exams

Nurse can be arranged at convenient appointment times making it quicker and simpler for the customer to attend.

Capture the same key screening elements including BMI, blood pressure and urine test just as effectively.

HIV and Hep B& C removed from mandatory requirements

Removal of blood tests.

The incidence of HIV and Hep B & C in the general population in Australia is very low with ongoing advances in medical treatment only expected to further minimise incidence and severity into the future.

Breast Exams replaced with Mammograms

Mammogram is seen as a more favourable customer experience.  

It also provides a more sophisticated examination technique.

Stress ECGs replaced with Stress Echocardiograms

The echocardiogram is a more effective investigation than the stress ECG, especially in younger individuals.

It provides a result from the first appointment which leads to a quicker underwriting decision where incidental cardiac findings are found.


This applies to: OneCare

Updated versions will be available from 7 February 2025: OneCare PDS The Adviser Guide

Key Dates

Late October 2021

Pricing adjustments for existing customers across all OnePath income protection, business expenses, trauma and TPD portfolios.