Members

For many serious injuries, Protect insurance provides lump sum payments that are more than double the benefits provided by similar schemes

AMWU Protect journey cover (capital) benefits

AMWU Protect journey cover (capital) benefits

AMWU Protect Injury Insurance also provides lump sum payments if you suffer an injury while travelling directly to and from work; provided the accident type does not result in an entitlement to a workers' compensation or transport accident benefit.

Example:
If you are travelling to work on a bicycle (push bike) and you hit a parked vehicle, or you fall off your bike, you may be entitled to a journey cover lump sum benefit.

Accidents involving registered vehicles, trams, buses or trains, may not be covered except as indicated in the above example (i.e. bicycle riders hits parked car) as you may be entitled to claim a statutory accident benefit.

AMWU Cover

Accident type

Worker with dependants

Single worker
Permanent paraplegia or quadriplegia; permanent and incurable paralysis of all limbs
$100,000
$50,000
Permanent total loss of sight of one or
both eyes
$100,000
$50,000
Permanent total loss of the lens of one eye
$60,000
$30,000
Permanent and incurable insanity
$100,000
$50,000
Permanent total loss of hearing in both ears
$80,000
$40,000
Permanent total loss of hearing in one ear
$20,000
$10,000
Third-degree burns and/or resultant disfigurement of more than 40% of the entire body
$50,000
$25,000
Third- degree burns and/or resultant disfigurement of between 20% and 39% of the entire body
$25,000
$12,500
Permanent total loss of use of:
– four fingers and thumb of either hand
$75,000
$37,500
– four fingers of either hand
$40,000
$20,000
– one thumb, both joints
$30,000
$15,000
– one thumb, one joint
$15,000
$7,500
– a finger, three joints
$10,000
$5,000
– a finger, two joints
$7,500
$3,750
– a finger, one joint
$5,000
$2,500
– all the toes of one foot
$15,000
$7,500
– great toe, both joints
$5,000
$2,500
– great toe, one joint
$3,000
$1,500
– other toe (each toe)
$1,000
$500
Fractured leg or patella with established non-union
$10,000
$5,000
Shortening of the leg by five (or more) centimetres
$7,500
$3,750



No journey cover benefit is payable if a death benefit is also payable.

If more than one serious trauma benefit is applicable arising out of the same accident, the insurer will only pay a single lump sum benefit for one accident type. The highest applicable benefit will be paid.