Journey Accident Insurance provides cover for members who are injured as a result of an accident whilst travelling between their home and their normal place of employment. Cover extends to certain activities undertaken during lunchtimes and meal breaks.
NSWNMA has held this cover for the benefit of its members since 2012 in response to changes to the NSW Workers Compensation Legislation which effectively removed coverage for employees travelling to and from work.
What does the cover provide?*
- Accidental death – $100,000
- Temporary disablement (total or partial): weekly benefits of up to 85% of average gross weekly salary for a period of up to 104 weeks (after 14-day waiting period)
- For temporary disablement (total or partial):
- tuition or advice expenses up to a maximum of $9,000 (by a licensed vocational provider) to support retraining if required
- chauffer or taxi services 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
- return to work assistance up to $20,000 per claim
- home duties benefits up to $500 per week (maximum 6 months)
- Permanent total disablement: home/car modifications up to $20,000
Who is insured?
Financial members of NSWNMA are covered under the policy. It is important to note that you must be a financial member at the time of the accident. Certain age restrictions apply from 75 and over – refer to the PDS.
When am I covered?
When travelling directly between the boundaries of your usual place of residence and your usual 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.
Will benefits apply from the date of the accident?
No. The policy has a 14-day waiting period. This means that if you are off work for less than 14 days 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 14 days following the date of injury).
Can I claim medical expenses?
No. However, Compulsory Third Party (CTP) insurance may provide a medical benefit.
Please click here for a copy of the Policy Wording and Product Disclosure Statement.
* All cover is subject to the full terms, conditions, limits and exclusions of the PDS and Policy Schedule. Age limits apply.