Employers in the Healthcare sector, often with large professional workforces, need the right level of insurance protection for their teams. In addition to standard workers compensation schemes, Healthcare employers can offer assurance to team members who need to conduct business travel and face risks of accident or delay while going about their business.
Coverage Highlights
What it covers
Healthcare Staff Protection Insurance
- Return to Work Assistance
Provides reimbursement for expenses incurred to assist employees to return to work following Bodily Injury or Sickness.
- Premature Birth/Miscarriage Benefit
Benefit offers a lump sum payment to your employees who sustain an injury which results in premature birth or miscarriage (prior to 26 weeks).
- Air or Road Rage Benefit
A lump sum payment to employees who suffer Bodily Injury as a result of being a victim of an Air or Road Rage Incident.
- Streaming Service Subscription Benefit
Available to employees who are certified unfit for work for a period of 8 weeks, the benefit reimburses costs involved for any streaming service the employee subscribes or wishes to subscribe to.
- Corporate Image Protection
Provides a lump sum payment to an organisation to cover costs associated with positive promotion of your business following the accidental death or permanent total disablement of one of your employees.
- Accidental HIV Infection Benefit
Accidental HIV infection benefit offers a lump sum to employees should they receive an injury which results in a positive infection with the HIV virus.
- Terrorism Injury Benefit - Lump Sum Benefit
Affords a lump sum to employees who suffer an injury due to an Act of Terrorism, for which a 100% permanent disablement benefit is payable.
- Witnessing Terrorism Benefit - Lump Sum Benefit
A lump sum payment to employees who do not suffer injury but have witnessed an Act of Terrorism whilst at work, travelling or commuting to work on on your organisation's behalf, and subsequently suffer post-traumatic stress disorder.
- Terrorism Benefit - Temporary Disablement Benefits
Weekly benefits to employees who are unable to work as a result of disablement caused by being involved in a terrorism event.
Work Hours Only Coverage
- Workplace Assault Benefit
A lump sum benefit payable to employees who are working on an organisation's behald and who suffer an injury as a result of an assault.
- Workplace Trauma Benefit
Provides a lump sum benefit to employees who witness a violent criminal act whilst they are on their organisation's premises.
- Stress Lump Sum
If an employee has a valid Workers Compensation claim for stress, Chubb will pay them a lump sum benefit.
- Personal Leave Benefit
Provides a daily amount to cover an employee's loss of income if they are unable to attend work due to circumstances outside their control.
- Needle Stick Benefit
Being in the healthcare industry can expose employees to needle stick injuries. If such an event occurs, the policy provides a lump sum benefit regardless of the outcome of any pathology tests.
Assistance Services
- Chubb Assistance - Travel and Medical Assistance
Chubb Assistance supports the business traveller with a range of emergency medical advice and travel assistance services, 24 hours a day, 7 days per week.
- WorldAware - Travel Security Advice and Assistance
Chubb has partnered with WorldAware, a crisis management assistance company, to provide policyholders and covered travellers with a range of security services.
Chubb Healthcare Staff Protection Insurance is issued and underwritten by Chubb Insurance Australia Limited, ABN 23 001 642 020, AFSL No. 239687 (Chubb). Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this product is right for you and to obtain a copy of the Healthcare Staff Protection Insurance Policy Wording and Product Disclosure Statement (PDS), contact a Chubb Independent or Global Broker Unit representative today.
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