INFO 2013 - Scouts Victoria

Note: The Scout Injury, Illness or Incident Report Form and the Willis Personal Accident Claim Form can be downloaded fromwww.vicscouts.com.au/info-and-forms under Adult or Vic Branch Resource Library in member’s website or contact the WillisScout Claims Department.Personal Accident and Illness Schedule of Benefits 2012 – 2013SCHEDULE 1 - Benefits payable due to injury resulting in:The following benefits provided under Schedule 1 are common to Tables A and BNon-Incomeearning $IncomeEarning $1 Loss of life (insured persons aged 16 years and under, benefit limited to $10,000 maximum) 100,000 200,0002 Permanent paraplegia 100,000 200,0003 Permanent quadriplegia 100,000 200,0004 Permanent total disablement (other than disablement resulting from loss of sight and/or physical100,000 200,000severance of hands or feet) from performing any profession, business or occupation whatsoever5 Permanent and incurable paralysis of all limbs 100,000 200,0006 Permanent and incurable insanity 100,000 200,0007 Loss of entire sight of both eyes 100,000 200,0008 Loss of entire sight of one eye 75,000 150,0009 Loss of or the permanent total loss of use of both hands or both feet 100,000 200,00010 Loss of or the permanent total loss of use of one hand or foot 50,000 100,00011 Permanent total loss of hearing (a) both ears 75,000 150,000(b) one ear 37,500 75,00012 3 rd degree burns and/or resultant disfigurement covering more than 40% of entire external body 100,000 200,00013 Permanent total loss of the lens of one eye 37,500 75,00014 Loss of or the permanent total loss of use of four fingers and thumb of either hand 42,500 85,00015 Loss of or the permanent total loss of use of four fingers of either hand 25,000 50,00016 Loss of or the permanent total loss of use of one thumb of either hand(a) both joints 25,000 50,000(b) one joint 12,500 25,00017 Loss of or the permanent total loss of use of fingers of either hand(a) three joints 15,000 30,000(b) two joints 7,500 15,000(c) one joint 3,750 7,50018 Loss of or the permanent total loss of use of toes of either foot(a) all one foot 20,000 40,000(b) great - both joints 15,000 30,000(c) great - one joint 7,500 15,000(d) other than great, each toe 3,750 7,50019 Fractured leg or patella with established non-union 25,000 50,00020 Shortening of leg by at least 5 cm 5,000 10,000SCHEDULE II – Maximum Benefits payable:Benefits due to injury - itemised in the following Tables A, B and C are to be read in common with the Schedules I and III21 Disablement from attending business or occupation for not less than 7 consecutive days as a Per Nil 2,000result of Bodily Injuryweek22 Being a bed care patient for a period of more than 24 hours Per day 75 15023 Reimbursement of emergency costs - Maximum amount recoverable Ground 5,000 5,000Air 10,000 10,00024 Disablement from attending business or occupation for not less than 7 consecutive days as aresult of sickness contracted during participation in any recognised or official camp. Benefitspayable for up to 52 weeks (less initial 7 days of disablement)PerweekNil 1,00025 Disablement from attending to household duties as a result of injury, or sickness (as defined) fornot less than 7 consecutive days. Benefits payable for up to 52 weeks (less initial 7 days ofdisablement)Perweek75 NilSCHEDULE III - Benefits payable are fixed:The benefits itemised in Sections 26 to 32 below are to be read in common with Schedules I and II26 100% ‘Out of Pocket’ expenses - up to $5,000 for traveling, personal expenses necessarily incurred as a result of an injury or sickness (asdefined).27 100% of “Non Medicare” medical expenses - up to $5,000 necessarily incurred as a result of an injury admitted within 12 months of thedate of occurrence by Ansvar after a claim is first made on private health fund and/or TAC. Includes payment of dental adjustments whereItem 30 has not been paid in full.Note: only medical expenses allowed by legislation are payable28 Optical Allowance benefit to $500 for consultation and replacement of a pair of spectacles or actual cost, whichever is the lesser29 Home Tutoring Expenses benefit to $2,500 for payment of tuition expenses incurred due to injury or sickness causing total disablement30 Damage to Teeth - maximum lump sum benefit Limited to $15,000 due to injury only Maxm. Compensation $Benefits - loss or damage to sound and natural teetha) Permanent or 2 nd teeth excluding dentures and fillings40