Journey Accident Insurance FAQs

What is the Association’s Journey Accident Insurance?

This insurance is a scheme to provide assistance to members who are injured travelling to or from work and who may not be covered by other insurance such as Workers Compensation or Compulsory Third Party (CTP).

Who is covered by Journey Accident Insurance?

If you are a financial member of the New South Wales Nurses and Midwives’ Association at the time of your accident travelling to or from work, you are entitled to claim under the scheme.

What does the cover provide?

The Journey Accident Insurance cover provides members who are financial at the time of the accident with:

  • Accidental Death Benefits up to $100,000;
  • A Weekly Bodily Injury Benefit up to 85% of average gross weekly salary for a period of up to 104 weeks (after a 7-day waiting period);
  • Tuition or advice expenses up to a maximum of $9,000. Tuition or advice must be provided by a licensed vocational school and is subject to prior written consent from the insurer and certification from a doctor that the tuition or advice is medically necessary.
  • Chauffer services of up to $2,500 per claim period for transport to and from the member’s usual place of work and their usual place of residence (required to be certified by a doctor);
    Return to Work assistance up to $20,000 per claim; and
  • Home / Car Modification Benefit up to a maximum of $20,000 per policy period.

Claims reporting process

What should I do if I have an accident travelling to or from work?

  1. Contact the Association immediately.
  2. Be aware that you may be entitled to a Compulsory Third Party (CTP) claim under the provisions of the Motor Accidents Compensation Act 1999. Please note that it is a condition of claiming under the Journey Accident Insurance policy, that you lodge a CTP claim if eligible. Any CTP payments for past economic loss will need to be reimbursed to the Journey Accident Insurer.

How do I make a claim?

The Association will assist you with the submission of a claim.

A Journey Accident claim form will be emailed (or mailed) to you for completion. The form will need to include:

  • Signed privacy consent;
  • Claimant’s personal information;
  • Details of the accident;
  • Doctor’s diagnosis and assessment of the injury (including an estimated duration that the claimant will be unfit to work, known as a Medical Practitioner’s Statement);
  • Income details from the employer to enable calculation of average gross weekly salary; and
  • Employer’s section to be completed.All medical certificates and relevant medical documentation will need to be provided.

Once you have completed the claim form, submit it to the Association via email or fax: (02) 9662 1414.

What will the Association do?

Upon receiving your completed Journey Accident Claim form, the Association will:

  • Check that the form is fully complete and ready to be submitted to our Insurers for review and processing; and
  • Forward it on your behalf to our Insurers for assessment.

The Association will liaise on your behalf with our Insurers and we will advise you of the progress of your claim.

What is the process that I should expect when making a claim?

Upon receipt of your completed Journey Accident Claim form, the Association will forward it to our Insurers for assessment. Our Insurers will assess and respond to the claim within 10 business days. Should further information be required this will be requested via the Association and once received by our Insurer will be assessed within a further 10 business days.

Once the initial payment has been approved, a settlement letter will be forwarded to the Association and you will be advised by email (or mail if you do not have access to email).

For claims that are assessed to be more long term, you will be requested to provide the following over the life of the claim:

  • Medical certificates stating a diagnosis and period of incapacity on a regular basis;
  • Every three months a progressive claim form will need to be completed by your treating physician which will give a detailed update on your condition;
  • Depending on the nature of your injury, six months after the disability has commenced a rehabilitation assessor or other provider may be appointed to interview you. This is to provide our Insurer a clear understanding of your current condition, the progress of your recovery and the outlook of your claim; and
  • Throughout the life of the claim an independent medical review may be requested in order to determine the progress of your injuries and ensure the correct treatment is being received.

Frequently asked questions

Q: When am I covered?
A: When travelling directly between the boundaries of your place of residence and place of work (nursing or midwifery related activities only) for the purposes of starting or ending your day’s work or whilst travelling during recess breaks.

Q: How are payments made to members?
A: Benefits are paid directly to the member’s nominated bank account.

  • Initial payment will be made to the member within 10 business days of our Insurer accepting the claim;
  • Further payments will then be paid directly to the member on a monthly basis for the life of the claim; and
  • Payments are made net of tax. If the claim is accepted, the member will be requested to complete a TFN declaration form.

Q: Will I automatically be paid?
A: No. The insurance policy has a 7-day waiting period, which means that if you are off work for less than a week as a result of your accident, you are not entitled to any payment. However, you should still submit a claim as an injury arising from your accident may mean that you have time off work at some future date. If your claim is accepted, you will not be paid for the first 7 days following the date of injury.

Q: Can I claim medical expenses?
A: No.

The Journey Accident Insurance Policy is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb). This policy renews annually on 30 November at 4:00pm. Chubb only provides general advice, and does not consider your objectives, financial situation or needs. To decide if this product is right for you, read the Chubb Journey Accident Insurance Policy Wording and Product Disclosure Statement (PDS).