In this PDS you will find the following information about your

insurance. You should read it all carefully.

Section Go to
Making a claim
Pages 6 - 13
How insurance How insurance works, what insurance is
works with MLC and the types of insurance available. On page 44 we describe what you
need to know about making a claim.

If you or your beneficiaries need to

Pages 16 - 32
Key information The benefits, features and options available make a claim, please call us on 1300
about your with your insurance and decisions you 125 246 between 8am and 6pm AEST,
insurance need to make in setting it up. Monday to Friday, to find out what
you or they need to do, and to get the
Pages 34 - 47
Your insurance Understand your insurance journey and relevant forms.
journey important information you need to know at
each step.

Pages 50 - 81
Summary of What youre insured for, when youll be able
the terms and to make a claim, for how long youll be paid
conditions your benefits, and when you can exercise
certain features and options.
You will also find information about:
what you are not insured for (known as
General exclusions) on pages 64 - 65, and
page 80.
when your insurance will end (known as
General termination events) on pages 66
- 67 and page 81.

Pages 84 - 99
Key medical How we define specific medical conditions
and disability and disability for your insurance.
definitions

Pages 100 - 103

Glossary of An explanation of key terms and concepts
common terms used in this PDS.

Page 104
Your Duty of An explanation of what this means and
Disclosure what happens if you dont tell us everything
we need to assess your application.

Pages 105 - 108

Privacy Policy An explanation of how we handle your
personal information.

Pages 109 - 110

Interim Accident The terms and conditions for Interim
Certificate Accident Insurance, which insures you
while we assess your application.
 Know your insurance
Its important to understand what you are, and
what youre not insured for. This PDS is here to
help you understand your insurance.

1. Insurance provides protection 4. You pay a premium

Insurance helps protect against the potentially devastating Your premium is the amount you pay for your
financial consequences of serious life events like death, insurance.
disability or a critical illness - at a time when you, your family or
your business needs support the most. Generally your premiums will be higher when youre:
insured for higher amounts (sum insured) or for
Claimable events multiple types of insurance, or
more likely to make a claim (risk of claim).
Critical
Death Disability Premiums are recalculated each year. For more
illness
information about premiums see pages 38 - 41.

Factors that impact your premium amount

2. Insurance is a contract Age Smoking

Who can own your
Your insurance company agrees status
insurance?
to insure you for certain claimable
events. In return you agree to pay a You or someone else
premium. Your policy document sets A business
A super Trustee Gender Occupation
out the terms and conditions of your
insurance, while the schedule sets
out details of what youre insured for
(including the sum insured, specific Health and Lifestyle
settings and options selected, special medical and leisure
history activities.
terms that you have etc).

3. You provide information 5. You are insured

Before insurance is issued, you have to provide Your insurance continues
information about your health and individual until you cancel it, it expires
circumstances to determine if you can be insured, or a nominated event occurs Worldwide
or if special terms need to apply. that ends it. insurance
Its really important that you tell everything about your health and For information about when MLC insurance
circumstances when you apply for your insurance. This is called your insurance ends, see the travels with you,
your Duty of Disclosure. General termination events which means
sections of this PDS on youre insured
If you dont make a full disclosure you or your beneficiaries may
pages 66 - 67 and page 81. 24 hours a day,
not be paid a benefit when you need it most.
anywhere in the
All the information you need about your duty of disclosure is on world.