Members

If you're a financial union member, and covered by Protect insurance, you will get higher benefits and broader coverage via Protect Extra Cover

Protect Extra Cover

Protect Extra Cover - Protect: Severance and Income Protection benefits

If you are a financial union member, and you are covered by Protect Injury and Illness Insurance or MUA Protect Injury and Illness Insurance, you may be entitled to higher benefits and broader cover through Protect Extra Cover.

In fact, for serious trauma injury claims, Protect Extra Cover delivers you benefits that are generally two and a half times higher than with other industry insurers. That’s better cover for you and your family, at a time when you need it most.

Protect Extra Cover is a separate policy schedule held by the relevant union and administered by Protect. This schedule forms part of the commercial arrangements between the policyholder and Protect's insurers; ATC Insurance Solutions.

How does Protect Extra Cover work?
If you are covered for Protect income protection insurance by a union-negotiated Enterprise Bargaining Agreement, you are already protected by Australia’s leading industry injury and illness insurance cover.

And, as long as you are a financial member of the relevant trade union at the time of your accident/illness and when you make your claim, you’re also covered by the superior benefits of Protect Extra Cover.

And that better deal – Protect Extra Cover – is just another way your union is delivering for you and your family.

Bigger lump sums
Protect Extra Cover provides higher lump sum payments across four of Protect’s range of insurance benefits to members who suffer an accidental injury including:

1.
Lump sum death benefits
  • Up to $75,000 death benefit for an accidental injury outside of work
  • Up to $275,000 death benefit for an accidental injury at work

For more information, go to lump sum death benefits>>>

2.
Serious trauma (capital) benefits
  • Up to $75,000 total and permanent disablement benefit for an accidental injury outside of work
  • Up to $275,000 total and permanent disablement benefit for an accidental injury at work
  • Up to $75,000 serious trauma benefit for other accidental injuries outside of work

For more information, go to serious trauma (capital) benefits>>>

3.
Broken bones for a non-work related injury
  • Up to $8,000 broken bones benefit for an accidental injury outside of work

For more information, go to broken bones benefits>>>

4.
Accidental dental injury
  • Up to $3,750 accidental dental cover for members and their dependants who suffer an accidental dental injury resulting in multiple damaged/broken or lost teeth. Up to four claims per family, each year.


For more information, go to accidental dental injury benefits>>>

Exclusive benefits

Protect Extra Cover also provides additional insurance benefits exclusive to financial union members including:


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2.

3.

4.

5.

6.


Over 65 years of age: extended income protection cover

Over 65 years of age: lump sum death and injury capital benefits including

Emergency home help

Domestic duties assistance

Chauffeur plan

Extended between-jobs insurance cover (not applicable to MUA members)


For more information, go to exclusive benefits>>> or MUA exclusive benefits>>>

Extra claims support
Union members can contact the Union Member Welfare Officer for information on Protect Injury and Illness Insurance benefits, exclusions and limitations or for assistance in completing a Protect claim form.

For more information, go to extra claims support>>>