Insurance Scheme

AQHA PERSONAL ACCIDENT SCHEME

 
SECTION 1:  
The Benefits provided in this Policy shall be restricted as follows and will only be payable when:

a)  The requirements of the Policy are satisfied for a payment to be made to an Insured person; and

b)  That Insured person is:

      i) A current financial member of the AQHA who is a resident of Australia 

     ii) Participating in a non-income earning equine related activity

No Benefits shall be payable under this section of the Policy where:

a) A person is engaged in non-equine related activities

b) Income earning activities or activities where remuneration is directly involved

c) Participating  in events or activities conducted by another association or entity

Summary of Benefits:

  • Capital Benefits $50,000 (For persons aged under 18 and over 65 the Accidental Death Benefit, Event 1, is reduced to $10,000)
  • Weekly Accident Benefit (income earners); 85% of Earnings to a maximum of $500 per week
  • Injury Assistance Benefit (non income earners); 85% of the actual cost up to a maximum of $150 per week. This includes Domestic Home Help and Child Minding
  • Parental Allowance; $50 per day to a maximum of $500 in total
  • Broken bones up to $1,500
  • Funeral Expenses; $5,000
  •  Non Medicare Medical Expenses; 85% of the actual cost up to a maximum of $2,500, Excess $50    Benefit Period:   26 weeks; 14 Day Excess

 

SECTION 2:   The Benefits provided in this Policy shall be restricted as follows and will only be payable when:

a)  The requirements of the Policy are satisfied for a payment to be made to an Insured person; and

b)  That Insured person is:

 i)  Attending a sanctioned AQHA event held in Australia

 ii)  A current financial member of the AQHA or voluntary workers, judges and officials of the Insured iii)  Engaged in necessary direct travel to and from such activities

Summary of Benefits:

Capital Benefits $50,000 (For persons aged under 18 and over 65 the Accidental Death Benefit, Event 1, is reduced to $10,000)

  • Weekly Accident Benefit (income earners); 85% of Earnings to a maximum of $500 per week
  • Injury Assistance Benefit (non-income earners); 85% of the actual cost up to a maximum of
  • $300 per week. This includes Domestic Home Help and Child Minding
  • Parental Allowance; $50 per day to a maximum of $1,000 in total
  • Broken bones up to $3,000  Funeral Expenses; $5,000
  • Non Medicare Medical Expenses; 85% of the actual cost up to a maximum of $5,000, Excess  $50  

Benefit Period: 52 weeks; 14 Day Excess