Journey Accident Insurance


The NSW Workers Compensation Legislation Amendment Bill 2012, which came into effect on 19 June 2012, effectively removed coverage for employees travelling to and from their place of employment, except in special circumstances.

Because of this, the Association has obtained Journey Accident Insurance for its financial members. This insurance took effect from 5pm on 18 September 2012.

The Journey Accident insurance does not replace the previous workers compensation arrangements, but does provide for financial members up to 70 years of age with:

  • Death & Capital Benefits up to $100,000;
  • A Weekly Accident 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 relating to re-engineering of professional skills where required of up to $1,500 per month (for a maximum of 6 months);
  • Chauffer / taxi 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 (e.g. non-Medicare medical expenses such as physiotherapy); and
  • Home / Car Modification Benefit up to a maximum of $20,000 per claim period.

There is an aggregate limit of $15,000,000 in any one year.

Insured persons
All financial members of the New South Wales Nurses and Midwives’ Association are covered. It is important to note that you must be a financial member of the Association at the time of the accident to be covered under this policy.

Scope of cover
The scope of cover is events previously covered under the NSW Workers Compensation Act for employees injured whilst travelling directly to and from work and whilst travelling during recess breaks.

Uncertainty about the new workers compensation laws will remain for some time until the laws are tested before the courts. The Association will work closely with its members, our legal advisers and insurers to assist members to work through these complexities.

Claims reporting process
If you are injured travelling to or from work, you should lodge a workers compensation claim with your employer.

If your claim is denied or your employer refuses to accept your claim, you should advise the Association immediately. A specific claim form for Journey Accident insurance will be forwarded to you on request. Complete the claim form and return it, along with any documentation relating to your workers compensation claim, to the Association via email: or fax: (02) 9662 1414. We will:

  • Confirm that you were a financial member at the time of the incident;
  • Examine the circumstances of your claim and refer it to our solicitors and our insurers for advice;
  • Advise you of the progress of your claim.

Download Journey Accident Insurance brochure