OneCare Cover
We offer a comprehensive range of award-winning insurance products, so you can tailor each client’s cover to suit their needs, life stage and budget.
OneCare provides the core covers of Life, Trauma and TPD insurance, as well as specialist covers and the option to top up cover with extra benefits.
Your clients can also choose from a range of flexible structures like attaching multiple covers under the same policy, or linking covers under different policies to reduce premium costs.
OneCare Product Disclosure Statement (PDS)
(1 MB,
pdf)
OneCare and OneCare Super PDS
OneCare Life Cover provides a payout to your client’s beneficiaries in the event of death or terminal illness.
The OnePath Advantage
- Choice of benefit. Your clients can choose whether their beneficiaries will receive the benefit as a lump sum, in regular monthly instalments or a combination of both.
- Increasing cover. Increase the sum insured as your client’s life circumstances change, without the need for any medical tests.
- Extra Care Cover. Get additional protection by topping up your client’s cover with Accidental Death, Terminal Illness or Extended Needle Stick benefits.
- Child Cover. Add Child Cover to a client’s policy to protect their family against the costs of serious childhood illnesses and accidents.
- Premium discounts. Reduce premium costs by packaging your client’s policy with other OneCare covers, or with the policy of a family member or business partner.
- Qantas points. Your clients can earn 1 point for every $1 they spend on eligible premiums (terms and conditions apply*).
OneCare Trauma Cover provides your client with a payment if you suffer one of the covered conditions.
The OnePath advantage
- Tailored solutions. Choose the type of Trauma cover and options that are right for your client, considering their individual circumstances such as their debts and assets, their requirements for quality care and their affordability.
- Increasing cover. Increase the sum insured as your client’s life circumstances change, without the need for any medical tests.
- Extra Care Cover. Get additional protection by topping up your client’s cover with Accidental Death, Terminal Illness or Extended Needle Stick benefits.
- Premium discounts. Reduce premium costs by packaging your client’s policy with other OneCare covers, or with the policy of a family member or business partner.
- Qantas points. Your clients can earn 1 point for every $1 they spend on eligible premiums (terms and conditions apply*).
OneCare Total and Permanent Disablement (TPD) Cover provides your client with a lump sum payment if they suffer a permanent injury or illness that makes it impossible for them to return to work.
The OnePath advantage
- Tailored solutions. Choose a definition that suits each client’s occupation to ensure the right level of cover for their needs and budget.
- Choice of benefit. Your clients can choose to receive the benefit as a lump sum, in regular monthly instalments or a combination of both.
- Increasing cover. Increase the sum insured as your client’s life circumstances change, without the need for any medical tests.
- Extra Care Cover. Get additional protection by topping up your client’s cover with Accidental Death, Terminal Illness or Extended Needle Stick benefits.
- Premium discounts. Reduce premium costs by packaging your client’s policy with other OneCare covers, or with the policy of a family member or business partner.
- Qantas points. Your clients can earn 1 point for every $1 they spend on eligible premiums (terms and conditions apply*).
OnePath Child Cover pays out a lump sum if your client’s child passes away or suffers a serious trauma condition.
The OnePath advantage
- Flexible policy options. Your clients can take out a Child Cover policy for their children or grandchildren, or attach Child Cover to any adult OneCare policy.
- Comprehensive cover. Get financial protection for your clients against a wide range of serious children’s accidents and illnesses including cancer, brain damage and severe burns.
- Premium discounts. Reduce your client’s premiums by packaging their Child Cover with their family’s other OneCare covers.
- Qantas points. Your clients can earn 1 point for every $1 they spend on eligible premiums (terms and conditions apply*).
OneCare Income Secure Cover pays up to 70% of your client’s income if they’re temporarily unable to work due to an illness or injury.
The OnePath advantage
- Premium discounts. Reduce premium costs by packaging your client’s policy with other OneCare covers, or with the policy of a family member or business partner.
OneCare Living Expense Cover pays an agreed monthly benefit if your client becomes significantly disabled due to a serious illness or injury. Custom-designed for homemakers, retirees and people in part-time employment, this cover can protect your clients who may not qualify for income protection insurance.
The OnePath advantage
- Increasing cover. Your clients can receive a monthly benefit that increases in line with inflation each year.
- Extra Care Cover. Get additional protection by topping up your client’s cover with Accidental Death, Terminal Illness or Extended Needle Stick benefits.
- Child Cover. Add Child Cover to a client’s policy to protect their family against the costs of serious childhood illnesses and accidents.
- Premium discounts. Reduce premium costs by packaging your client’s policy with other OneCare covers, or with the policy of a family member or business partner.
OneCare Business Expense Cover pays a monthly benefit if your client becomes partially or totally disabled – whether they run a small firm or a large company, or they’re a sole trader.
The OnePath advantage
- Choice of benefit. Your clients can choose whether to receive a guaranteed benefit amount or an amount based on their expenses at claim time.
- Increasing cover. Your clients can get a monthly benefit that increases in line with inflation each year.
- Extra Care Cover. Get additional protection by topping up your client’s cover with Accidental Death, Terminal Illness or Extended Needle Stick benefits.
- Child Cover. Add Child Cover to a client’s policy to protect their family against the costs of serious childhood illnesses and accidents.
- Premium discounts. Reduce premium costs by packaging your client’s policy with other OneCare covers, or with the policy of a family member or business partner.
Group Insurance Cover
OneCare Group Insurance covers the employees or members of a particular organisation. We work with organisations to understand their specific needs so we can tailor a group insurance package that meets those needs.
OneCare Group Insurance can be owned either through super or outside of super. Your clients can also choose from either the default cover or cover up to the automatic acceptance level based on all members of the policy, regardless of their medical history.
For more information please visit our Group Insurance page.
* You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath to earn Qantas Points on eligible insurance policies. Eligible insurance policies are the policies listed in the ‘OnePath and Qantas Frequent Flyer Rewards terms and conditions’ available at onepath.com.au/qff-terms-conditions, as defined for ‘Eligible OnePath Insurance Policy’. A joining fee usually applies. However, OnePath has arranged for this to be waived for new customers who join at qantas.com/onepathjoin. This complimentary join offer may be withdrawn at any time. Membership and points are subject to Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. The maximum number of points you can earn on eligible policies is capped at 20,000 points per year, per policy. Qantas Points accrue in accordance with and subject to the ‘OnePath and Qantas Frequent Flyer Rewards terms and conditions’. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about these products or the information provided by OnePath in this communication.