BJS Insurance

Capital Benefits

What does this Section Cover?

This section provides cover for the Specified Events as set out in the table below.

What are the Benefits Payable?

$100,000 Maximum

$1,000,000 for injuries resulting in Permanent Paraplegia or Quadriplegia (Effective 1/1/2013)

Bodily Injury sustained by an Insured Person during the Scope of Cover which within twelve calendar months results in;

 

The benefits payable will be the following percentage of the Capital Benefit specified in the Schedule.

Death

(limited to 20% of Capital Benefit in Schedule if under 18 years of age)

100%

Permanent Quadriplegia

  100%

Permanent Paraplegia

  100%

Permanent total loss of sight

Two Eyes

One Eye

100%

50%

Permanent total loss of hearing

Two Ears

One Ear

75%

25%

Permanent total loss of use of

Two Arms

One Arm

75%

35%

Permanent total loss of use of

Two Legs

One Leg

75%

35%

Permanent total loss of use of

Two + Fingers

Two Fingers

One Finger

One Thumb

40%

14%

4%

5%

Permanent total loss of use of

Two + Toes

Two Toes

One Toe

40%

14%

4%

Total & Permanent

For the purposes of this Event 11 only, Disfigurement means disfigurement that extends to more than 20% of the entire external body. The total percentage paid is to be at the absolute sole discretion of the Insurer.

Disfigurement

Shortening of Leg

Up to 45%

7%

Any permanent total disability or permanent total loss of any body part not shown above

Will be compensated at a percentage of the Capital Benefit as determined at the sole and absolute discretion of the Insurer. Such determination will not be inconsistent with the benefits provided under Events 4-11 inclusive.

  Up to 90%

Becoming HIV positive

But cover for this Event is only provided if the infection was as a direct result of playing or participating in the Sport (Australian Rules Football) nominated in the Schedule.

  10%

Actual Non Medicare Medical Expenses incurred following Accidental miscarriage or premature child birth up to a max of 26 weeks pregnancy.

Cover for this event is only provided if the miscarriage or childbirth was a result of playing or participating in the Sport (Australian Rules Football) nominated in The Schedule. Event 14 is subject to deduction of the Excess specified in The Schedule for Medical Benefits

  Up to 5%