ANZ Accident Cover Plus

An accident insurance product that provides an easy and affordable safety net if you should pass away as a result of an accident.

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Peace of mind: a benefit from $50,000 to $1 million is payable if you pass away as a result of a covered accident.

So easy to apply: you don’t need a medical or to answer any health or lifestyle questions. You can get an accident insurance quote or apply online now, and be covered from the moment we accept your application.

Affordable: premiums start from as little as 28 cents per day1, and don't increase with age. There are also discounts if you cover your partner under your policy or if you decide to pay your premium annually.

Eligibility: if you are an Australian or New Zealand citizen or you hold an Australian Permanent Residency Visa, are aged between 18 and 74, and are currently residing in Australia, you are eligible to apply.

How to apply

  • Call 13 16 14

Additional information

Product features

This is an easy to apply for, accident insurance product that can help provide peace of mind. 

  • Accidents can happen – your loved ones could receive your chosen benefit if you die as a result of a covered accident.
  • Not eligible for life insurance – if you’re ineligible due to your age or other lifestyle factors, ANZ Accident Cover Plus is available to Australian or New Zealand citizens, or those who hold an Australian Permanent Residency Visa, are aged between 18 and 74, and are currently residing in and receiving the PDS in Australia.
  • Affordable premiums – premiums start from as little as 28 cents per day (see premium table) and don’t increase with age. 
  • Hassle free insurance – its easy to apply, you don’t need a medical or to answer any health or medical questions and you can apply online now for accident insurance. 
  • Discounts for combined cover – there are premium discounts if you cover your partner under your policy.
  • Immediate cover – you’re covered from the moment we accept your application.
Optional Accidental Injury Benefit
You can choose to cover yourself against a number of specified accidental injuries. This option can provide a benefit of up to $50,000 for a covered injury. For details of the injuries covered, see the Product Disclosure Statement and Policy.
Accidental injuries Benefit
Permanent paraplegia or quadriplegia due to an accident $50,000
Severe burns $25,000
Accident Injuries - fractures Benefit
Hip or pelvis $10,000
Skull, neck or spine $5,000
Shoulder bone, leg including knee or ankle $3000
Jaw or collarbone $2000
Nose or cheekbone, multiple ribs, arm including elbow or wrist, hand or multiple fingers and foot and multiple toes $1000

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Affordable premiums

You can choose the cover that suits you, including combined cover for you and your partner under the same policy, and an optional Accidental Injury Benefit of up to $50,000.

Monthly premiums^

Accidental Death Benefit Single policy Combined policy Add $50,000 Accidental Injury Benefit
$50,000 $8.15 $13.40 $15**
$100,000 $13.40 $23.90 $15**
$250,000 $29.15 $55.40 $15**
$500,000 $49.90 $96.90 $15**
$750,000 $73.40 $143.90 $15**
$1,000,000 $96.90 $190.90 $15**

^ All premiums include a Bed Care Benefit.

** Per life insured.

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Some things we don't cover

To keep your monthly premiums as low as possible a few things are not covered. For example, we will not pay a claim if the accident occurs when a life insured is driving a motor vehicle with a blood alcohol level or a breath test result over the legal limit or with an illegal substance in their system. You should check the ANZ Accident Cover Plus Product Disclosure Statement for full terms, conditions and exclusions.

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Qantas Frequent Flyer Points

You can start earning one point for every $1 of premium paid* on eligible ANZ Accident Cover Plus policies. If you’re not already a Qantas Frequent Flyer member, for a limited time eligible policy holders can receive complimentary membership# (saving you $82.50).

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Product documentation

1. Premium of 28 cents per day is based upon an Accidental Death Benefit of $50,000 taken under a policy with one life insured and paid monthly.

* ANZ Accident Cover Plus is issued by OnePath Life Limited (ABN 33 009 657 176, AFSL 238341). You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath to start earning Qantas Frequent Flyer points on eligible premiums you pay. Points are only earned on premiums you pay after OnePath Life has received your Qantas Frequent Flyer membership details. Points are earned in accordance with and are subject to the OnePath and Qantas Frequent Flyer Rewards terms and conditions available at onepath.com.au/qff-terms-conditions. Membership and points are subject to Qantas Frequent Flyer program terms and conditions available at qantas.com/frequentflyer. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about this product or the information provided by OnePath Life. 

# Complimentary join fee waiver offered by OnePath. This complimentary offer may be withdrawn at any time.

ANZ Accident Cover Plus is issued by OnePath Life Limited (OnePathLife) (ABN 33 009 657 176, AFSL 238341). The information provided is of a general nature and does not take into account your personal needs and financial circumstances. You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs. You should read the PDS (available online at anz.com or by calling 13 16 14) and consider whether this product is right for you. ANZ will not receive a commission for this product. All ANZ Group staff members receive a salary, and may receive monetary benefits based on the number of ANZ Accident Cover Plus sales achieved.

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