OnePath insurance now comes
with even more
To better support you in servicing your clients, OnePath is pleased to present a more compelling insurance package.
A range of enhancements across product, technology and, most significantly, service, are designed to provide you with faster cover, more efficiency and greater underwriting accessibility.
We look forward to the continued evolution of OnePath’s insurance offer - in collaboration with you.
Key enhancements
An enhanced service offering
• Greater accessibility with 10 new underwriters
• Improved efficiency with a national tele-underwriting network
• More transparency with OneCare Application Tracking
Technology that supports a more efficient sales process
• More reflexivity with musculoskeletal-related questions
• Peace of mind with the inclusion of comfort wording
• A seamlessly integrated Business Expense questionnaire
A product that covers more conditions, sooner
• Faster cover with an enhanced Trauma Cover Reinstatement Option
• Broader coverage with an improved prostate cancer definition
• An updated cancer definition with the introduction of ‘ulceration’ as a measurement criteria
Please refer to the enhancements brochure for more detail.
Important upgrade information
Applications in suspense
You will not be required to provide any additional information. These applications will be issued with the new Policy Terms.
Applications that revert to ‘Incomplete’ status
You will be required to complete the updated sections where the new questions are relevant.
Automatic upgrade
2
Key dates
7 March 2011
Supplementary Product Disclosure Statements and Policy Terms can be ordered via Adviser Advantage.
12 March 2011
• Existing users: The Illustrator software upgrade will be automatically deployed.
• New users: The new Illustrator software will be available to download from.
www.onepath.com.au/adviser/illustrator 14 March 2011
Product and technology enhancements ‘go live’
24 April 2011
Last day for applications to be completed and submitted on the old version of Illustrator
25 April 2011
The old version of Illustrator will cease to operate. To create new or access saved quotations and applications, you must download the new version of Illustrator.
For more information, please speak with your Business
Development Manager or call Risk Adviser Services on
1800 222 066.
This information is current as at March 2011 and may be subject to change. It is for adviser use only and may not be reproduced without written permission from OnePath Life Limited.
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Subheading
Functional heading
April 2010
OnePath life risk insurance
now comes with even more
OnePath insurance now comes with even more
To better support you in servicing your clients, OnePath is pleased to
present a more compelling insurance package.
A range of enhancements across product, technology and, most
significantly, service, are designed to provide you with faster cover, more
efficiency and greater underwriting accessibility.
We look forward to the continued evolution of OnePath’s insurance offer
- in collaboration with you.
A tradition of partnership
As OnePath, we’re committed to building on the
partnerships we’ve fostered as Mercantile Mutual
and, more recently, ING Australia.
To this end, you can be certain we’ll keep on
listening. And acting. And, most importantly,
delivering enhancements that strengthen the way
we work together.
An enhanced service offering
Greater accessibility with ten
new underwriters
OnePath has welcomed aboard some of the industry’s foremost talent with the introduction of ten new underwriters:
t 5 x Senior Underwriter t 5 x Underwriter
With the growth of our team, OnePath looks forward to dedicating more time to building stronger relationships with you.
Improved efficiency with a
national tele-underwriting network
To help expedite the application process, OnePath has established a national tele-underwriting network.
The team is staffed by skilled call management professionals. They are trained to manage outstanding information efficiently and with sensitivity – resulting in higher completion rates and swifter policy issue.
The new
OneCare Application Tracking system
can be accessed via
Adviser Advantage and Illustrator.
To optimise the system benefits, please contact
OnePath’s Adviser Ebusiness
Training team
on platform.training@onepath.com.au .
More transparency with OneCare
Application Tracking
The new OneCare Application Tracking system has been developed in line with your feedback.
That’s why we’re confident it will deliver faster turnarounds – and, as you’ve requested, facilitate greater transparency. The system enables you to:
t see regular updates on your applications in suspense t easily look up and monitor your outstanding requirements t write notes for the designated underwriter or case manager t electronically attach documents.
These features reduce the time you spend administering
Technology that supports a more
efficient sales process
More reflexivity with musculoskeletal-related questions
OneCare Express now conducts more in-depth questioning for common conditions relating to the back, neck and joints. The assessment is occupationally-based and tailored to your clients’ individual circumstances.
End result? More information captured upfront – which means even more point-of-sale decisions.
Where a claim would not be payable by operation of an exclusion, consideration will be given by us to payment of a claim if in our opinion the event giving rise to the claim was in no way due to or arising from the pre-existing condition. Each such claim will be considered at our discretion, on its own merits and on the evidence available to us at the time of assessment of the claim.
This enhancement provides your client with extra peace of mind - making it easier for them to approve the point-of-sale offer.
To provide you with the most current information
available, we have updated OneCare Express’
unique medical provider database – which now
also includes details of
physiotherapists.
Additional OneCare Express enhancements
Inclusion of three new eye conditions Updated occupation table
Updated document library
Updated BSB and postcode database
Layout enhancement for Existing Insurance and Adviser Details screens
A seamlessly integrated Business
Expense questionnaire
For a more streamlined application, the Business Expense questionnaire has been integrated into the OneCare Express application.
This convenient new feature eliminates the need to complete and attach a separate questionnaire. Additionally, smart validation ensures that only applicable questions are asked e.g. only clients in partnership will be asked to provide details of their partner(s).
In some cases, the standalone Business Expense questionnaire may be more appropriate. In recognition of this, the PDF form is still available from Illustrator’s document library. It’s your choice.
Peace of mind with the inclusion
of comfort wording
In some circumstances, cover can only be offered with exclusions due to musculoskeletal conditions.
In these cases, the following comfort wording will now appear on the Details of Offer:
A product that covers more
conditions, sooner
Faster cover with an enhanced
Trauma Cover Reinstatement
Option
Experience of serious illness powerfully reinforces the need for protection.
That’s why, under the enhanced Trauma Cover Reinstatement Option, your client may ‘buy back’ cover for seven defined conditions after just six months. The remaining conditions will automatically be covered after a further six months i.e. 12 months after claim.
Unlike competitors’ offers, OneCare’s Trauma Cover
Reinstatement Option can be exercised by your client as many times as necessary.
Broader coverage with an
improved prostate cancer
definition
Clients with early stage prostate cancer will no longer wait until surgery to access their full trauma benefit. Instead, OnePath now offers payment as soon as requirement of surgery is confirmed.
We’ve also reduced the Gleeson score requirement from seven to six to provide broader coverage.
Together, these enhancements provide more clients with full payment, sooner.
An updated cancer definition with
the introduction of ‘ulceration’ as
a measurement criteria
Ulceration is often indicative of a more severe condition. Its inclusion into our cancer definition reflects OnePath’s commitment to keeping abreast of current medical diagnostic techniques – those which help establish eligibility for full payment.
Remember, ‘buy back’ period commences the later
of a) receipt of the claim form or b) satisfaction
of the trauma condition. Further, the 90 day
qualification period starts at time of application
– not policy issue.
These, coupled with the enhanced Trauma Cover
Reinstatement Option, help you provide your
clients with insurance protection sooner.
Additional OneCare Express enhancements
Addition of ‘out of hospital cardiac arrest’ as full-payment trauma event Partial payments for colostomy and illeostomy
Updated ‘coma’ definition Updated ‘severe burns’ definition Updated ‘burns of limited extent’ definition Updated ‘severe rheumatoid arthritis’ definition
Updated ‘intensive care’ definition to remove the drug/alcohol exclusion
For more
information
please speak with your
Business Development
Manager
or contact Risk Adviser
Services on 1800 222 066.
For system support with
OneCare Application
Tracking
or
OneCare
Express,
please email
platform.training@onepath.com.au .
This information is current as at March 2011 and may be subject to change. It is for adviser use only and may not be reproduced without written permission
from OnePath Life Limited. L6594/0311
OneCare Upgrade Announcement
Life Cover
TPD Cover
Trauma Cover
Income Secure Cover
Business Expense Cover
Living Expense Cover
Child Cover
Extra Care Cover
INSURANCE
OneCare Upgrade Announcement
Trauma Cover
2
Upgrade announcement
OnePath Life is dedicated to ensuring we are adding value to our customers and are continuously working to improve the products we offer; hence we are pleased to notify you of the most recent improvements effective 14 March 2011. Your OneCare policy includes a guarantee of upgrade which means that when we improve the terms and conditions of OneCare we pass the enhancements on to our existing OneCare customers, if they do not result in a premium increase. The OneCare Supplementary Product Disclosure Statement (SPDS) and OneCare Supplementary Policy Terms dated 14 March 2011 contain the policy update in its entirety. This upgrade notice summarises the improvements for existing policy holders.
Unless specified otherwise, words in bold have the same meaning applied to them as defined in your OneCare Policy Terms.
Which improvements apply?
Your OneCare Policy Schedule outlines the cover and options that apply to your policy. This document should be read in conjunction with your policy schedule to understand which improvements are relevant to you.
Should a situation arise where you are inadvertently
disadvantaged in any way, then the previous benefit wording will stand.
What do I need to do?
You do not need to do anything to take advantage of the automatic upgrade. The revised policy wording for the specific section as contained in this upgrade announcement replaces the policy wording as contained within your existing Policy Terms. This brochure should be kept with your Policy Terms and Policy Schedule.
When do these improvements apply from?
The improvements presented in this upgrade announcement are effective from 14 March 2011.
They apply to claims for events or conditions which first occur, are first diagnosed, or for which symptoms first became reasonably apparent, on or after 14 March 2011. They do not apply to past or current claims, or any claims arising from conditions for which symptoms first became reasonably apparent, before 14 March 2011.
Any questions?
If you have any questions about the improvements outlined in this upgrade announcement, or require more information about your policy, please contact your financial adviser or call Customer Services on 133 667.
Trauma Cover
The following list displays several updates we have made to Trauma Cover, these are then described in further detail:
• New Condition – Out of Hospital Cardiac Arrest • New Condition – Colostomy and/or Ileostomy • Enhancement to the Trauma Reinstatement Option • ‘Coma’ definition update
• ‘Severe burns’ definition update
• ‘Burns of limited extent’ definition update • ‘Severe Rheumatoid Arthritis’ definition update • ‘Prostate cancer’ definition update
• Addition of ‘Ulceration’ as a tier (measurement) for the ‘Cancer’ (Melanoma) definition
• Removal of the Drug/Alcohol exclusion in the ‘Intensive Care’ definition.
New Trauma Conditions and
Enhancements
New Trauma Condition: Out of Hospital
Cardiac Arrest
This is a new trauma condition added to both the Trauma Comprehensive and Trauma Premier Covers. This condition qualifies for a full payment of the trauma amount insured.
‘Out of hospital cardiac arrest’ means cardiac arrest that is
not associated with any medical procedure, is documented by an electrocardiogram, occurs out of hospital or any other medical facility, and is:
• Cardiac asystole; or
• Ventricular fibrillation with or without ventricular tachycardia.
New Trauma Condition: Colostomy
and/or ileostomy
This is a new trauma condition added to the Trauma Premier Cover and the Premier Maximiser Option. This condition qualifies for a partial payment of the trauma amount insured.
Colostomy and/or ileostomy means the creation of a
permanent and irreversible surgical opening, linking the colon and/or ileum to the surface of the body.
3
Enhancement: Trauma Reinstatement option
This enhancement will enable the trauma cover to be reinstated after six months if the claim was for one of seven listed trauma conditions (previously it was offered after 12 months).
We have also clarified our intent surrounding the fact that you can reinstate your trauma cover after multiple claims.
4.5.3 Trauma Cover Reinstatement Option
(This option only applies to Trauma Cover for a life insured if it is shown on the Policy Schedule.)
If we pay (or begin to pay) the full Trauma Cover lump sum (or instalment) amount insured for a life insured under this policy, we will offer to reinstate the Trauma Cover for that life insured, on the following basis:
• For the following trauma conditions: – Alzheimer’s disease
– blindness – deafness – dementia
– loss or paralysis of limb – multiple sclerosis – Parkinson’s disease
we will offer the Trauma Cover Reinstatement Option six months after the later of:
– the date we received your fully completed claim form or
– the date you satisfied any of the above trauma conditions.
• For all other Trauma conditions, we will offer the Trauma Reinstatement Option 12 months after the later of: – the date we received your fully completed claim form
or
– the date you satisfied the Trauma event definition. • We will offer to reinstate the full Trauma Cover lump sum
(or instalment) amount insured we paid (or are paying) for the life insured.
• We must receive written acceptance from you within 30 days of the offer being made.
• The premium for the reinstated Trauma Cover will be calculated based on the premium rates applying to Trauma Cover at the time you choose to exercise this option. We will apply any medical, occupational or pastimes loadings, or any other loadings that applied to the original and subsequent Trauma Cover(s).
• The benefit payment type which will apply to the new Trauma Cover will be the same benefit payment type which applied to the original and subsequent Trauma Cover(s).
• Any exclusions which applied to the original Trauma Cover will also apply to the reinstated Trauma Cover. • Indexation, Future Insurability and Business Guarantee
Option increases are not available in relation to the reinstated Trauma Cover.
You cannot exercise the Trauma Cover Reinstatement Option if:
• a TPD Benefit or a benefit for terminal illness has been previously paid for the life insured or
• we pay (or begin to pay) only a part of the Trauma Cover lump sum (or instalment) amount insured. However, if we subsequently pay (or begin to pay) the full balance of the Trauma Cover lump sum (or instalment) amount insured in relation to another trauma condition, you can exercise this option in relation to the total of the Trauma Cover amount paid.
We will not pay a claim under the reinstated Trauma Cover for:
• the same trauma condition for which we paid a claim under the original or subsequent Trauma Cover(s) • aortic surgery, cardiomyopathy, chronic kidney
failure, coronary artery by-pass surgery, heart attack, open heart surgery, out of hospital cardiac arrest, primary pulmonary hypertension or triple vessel angioplasty, if we paid a claim for any of these
trauma conditions under the original or subsequent Trauma Cover(s)
• loss or paralysis of limb or blindness (where either of these trauma conditions are caused by a cerebrovascular accident) or stroke, if we paid a claim for aortic surgery,
cardiomyopathy, chronic kidney failure, chronic liver disease, coronary artery by-pass surgery, heart attack, open heart surgery, out of hospital cardiac arrest, primary pulmonary hypertension or triple vessel angioplasty under the original or subsequent
Trauma Cover(s)
• cancer, carcinoma in situ (CIS), chronic lymphocytic
leukaemia or melanoma, if we paid a claim for any
of these trauma conditions under the original or subsequent Trauma Cover(s)
• angioplasty, aortic surgery, cardiomyopathy,
chronic kidney failure, chronic liver disease, coronary artery by-pass surgery, heart attack, heart valve surgery, open heart surgery, out of hospital cardiac arrest, primary pulmonary hypertension, stroke or triple vessel angioplasty, if we paid a claim
for severe diabetes under the original or subsequent Trauma Cover(s)
4
• severe diabetes, if we paid a claim for angioplasty,
aortic surgery, cardiomyopathy, chronic kidney failure, chronic liver disease, coronary artery by-pass surgery, heart attack, heart valve surgery, open heart surgery, out of hospital cardiac arrest, primary pulmonary hypertension, stroke or triple vessel angioplasty under the original or subsequent Trauma
Cover(s)
• chronic kidney failure, chronic liver disease, chronic
lung disease or primary pulmonary hypertension,
if we paid a claim for systemic sclerosis under the original or subsequent Trauma Cover(s)
• loss of independent existence, if the cause is any trauma condition which we have already paid a claim for under the original or subsequent Trauma Cover(s) • Alzheimer’s disease or dementia, if we paid a claim for
either of these trauma conditions under the original or subsequent Trauma Cover(s).
There is no cover and no benefit will be payable under the reinstated Trauma Cover for any trauma condition if:
• the trauma condition first occurs, or is first diagnosed, or • the symptoms leading to the trauma condition
occurring, being diagnosed, or first become reasonably
apparent,
before the date of reinstatement of the Trauma Cover.
Trauma Definition Updates
Coma
We have upgraded the Coma definition so that a degree of impairment is no longer required.
Coma means total failure of cerebral function characterised
by total unconsciousness and unresponsiveness to all external stimuli, resulting in a documented Glasgow Coma Scale of 6 or less, for a continuous period of at least 72 hours.
Severe burns
We have upgraded the Severe burns definition by reducing the requirement to 50% (instead of whole) of various sites of the body.
Severe burns means tissue injury caused by thermal,
electrical or chemical agents causing third degree burns to: • 20% or more of the body surface area as measured
by the ‘Rule of Nines’ or the Lund and Browder Body Surface Chart
• 50% or more of both hands, requiring surgical debridement and/or grafting
• 50% or more of both feet, requiring surgical debridement and/or grafting
• 50% or more of the face, requiring surgical debridement and/or grafting or
• the whole of the skin of the genitalia, requiring surgical debridement and/or grafting.
Burns of limited extent
We have updated the Burns of limited extent definition due to the Severe burns definition upgrade. The update removes the events that are now covered under the Severe burns definition.
Burns of limited extent means tissue injury caused by
thermal, electrical or chemical agents causing third degree burns to:
• at least 9%, but less than 20%, of the body surface area as measured by the ‘Rule of Nines’ or the Lund and Browder Body Surface Chart
• the whole of one hand or 50% of the surface area of both hands combined, requiring surgical debridement and/or grafting or
• the whole of one foot or 50% of the surface area of both feet combined, requiring surgical debridement and/or grafting.
5
Severe Rheumatoid Arthritis
We have upgraded the Severe Rheumatoid Arthritis definition and aligned it to the American College of Rheumatology (ACR) classification of Rheumatoid Arthritis.
Severe Rheumatoid Arthritis means the diagnosis of
severe rheumatoid arthritis by a rheumatologist. The diagnosis must be supported by, and evidence, all of the following criteria:
• at least a 6 week history of severe rheumatoid arthritis which involves 3 or more of the following joint areas: 1. proximal interphalangeal joints in the hands; 2. metacarpophalangeal joints in the hands;
3. metatarsophalangeal joints in the foot, or any joint of the wrist, elbow, knee or ankle;
• simultaneous bilateral and symmetrical joint soft tissue swelling or fluid (not bony overgrowth alone);
• typical rheumatoid joint deformity; And at least 2 of the following criteria:
• morning stiffness; • rheumatoid nodules;
• erosions seen on x-ray imaging;
• the presence of either a positive rheumatoid factor or the serological markers consistent with the diagnosis of severe rheumatoid arthritis.
Degenerative osteoarthritis and all other arthritides are excluded.
Cancer definition
We have upgraded our definitions of both Prostate cancer and Melanoma within the Cancer definition. As a result of a new tier (measurement) being introduced for Melanoma this will also affect the Melanoma definition, which has also been updated (follows the Cancer definition below).
Cancer means the presence of one or more malignant
tumours including leukaemia, lymphomas and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue.
• Melanomas are covered if they: – have evidence of ulceration; or
– are at least Clark Level 3 depth of invasion; or – are at least 1.5mm maximum Breslow thickness, as determined by histological examination. • Prostatic cancer is covered if it is;
– a TNM classification of at least T1c; or – a Gleason score of at least 6; or
– required to have ‘major interventionist treatment’ to arrest the spread of malignancy.
‘Major interventionist treatment’ includes removal of the entire prostate, radiotherapy, chemotherapy, hormone therapy or any other similar interventionist treatment.
• The following cancers are not covered:
– all hyperkeratoses or basal cell carcinomas of the skin – all other melanomas
– all other prostatic cancers
– all squamous cell carcinomas of the skin unless there has been a spread to other organs
– chronic lymphocytic leukaemia less than Rai Stage 1 – tumours showing the malignant changes of
carcinoma in situ* (including cervical dysplasia CIN-1, CIN-2 and CIN-3), or which are histologically described as pre malignant, or which are classified as FIGO Stage 0, or which have a TNM classification of Tis. ‘FIGO’ refers to the staging method of the International Federation of Gynaecology and Obstetrics.
* Carcinoma in situ is covered in the following circumstances where the procedures are performed specifically to arrest the spread of malignancy and are considered the appropriate and necessary treatment:
– carcinoma in situ of the breast if it results directly in the removal of the entire breast
– carcinoma in situ of the testicle if it results directly in the removal of the testicle.
Melanoma (for the purpose of a partial trauma payment)
means the presence of one or more malignant melanomas. • For partial payments under Trauma Premier, the
melanoma;
– must have no evidence of ulceration; and
– be less than 1.5mm maximum Breslow thickness; and – be less than Clark Level 3 depth of invasion,
as determined by histological examination. The malignancy must be characterised by the
uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue.
For the purposes of a full trauma payment Melanoma criteria please refer to the Cancer definition.
Other Trauma updates
Removal of the Drug/Alcohol exclusion
(Intensive Care)
This upgrade removes the Drug/Alcohol exclusion that applied to the Intensive Care definition.
Intensive care means the life insured requires continuous
mechanical ventilation by means of tracheal intubation for 10 consecutive days (24 hours per day) in an authorised intensive care unit of an acute care hospital.
onepath.com.au
L65 50 /0 31 1Customer Services
Phone 133 667 Email customer.risk@onepath.com.au Postal address OnePath Life GPO Box 4148 Sydney NSW 2001Risk Adviser Services
For use by financial advisers only Phone 1800 222 066
Email risk.adviser@onepath.com.au
The information provided is of a general nature only 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. OneCare is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238341) and OneCare Super is issued by OnePath Custodians Pty Limited (OnePath Custodians) (ABN 12 008 508 496, AFSL 238346, RSE L0000673). You should read the Product Disclosure Statement (PDS), available at onepath.com.au, before making a decision about this product. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Life and OnePath Custodians are owned by ANZ – they are the issuers of the products but are not Banks. Except as set out in the issuers’ contract terms (including the PDS), these products are not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers.
