In nation that values its volunteers and the admirable organisations and causes they support, it’s important they are protected in the workplace in the event of and accident or worst case, accidental death.
Voluntary workers insurance can provide that protection. This includes financial compensation and cover for defined out-of-pocket expenses, accidental death benefit, weekly injury benefits and other areas such as non-Medicare medical expenses, domestic home help and even student education assistance.
For people that give freely, we believe it’s essential they are protected in the same manner as any entitled employee.
Why you should consider it
Voluntary workers’ insurance covers volunteers who are performing unpaid work on behalf of the insured such as charities, associations, clubs, community centres and churches. If your organisation falls under one of these – or a similar – category, we strongly recommend you talk to us about getting your people protected.
What does it cover?
Coverage can include:
- Weekly benefits for permanent or temporary disability if injured
- Non-Medicare medical expenses including private hospital bed fee, theatre, dental and ambulance expenses – where legislation allows to provide this cover
- Compensation for broken bones
- lump sum payment for disappearance
- Rehabilitation benefits
- Relocation, home and motor modification expenses following permanent disability
- Home help and child minding expenses for non-income earners
- Student assistance includes cover for home tutorial expenses
- A weekly benefit for self-funded retirees to attend medical consultations to access treatment for their injury
- Lump sum payments for death and permanent disability resulting from injury or disappearance
- Cover for funeral expenses
What isn’t covered?
As with any insurance there are limits and exclusions that apply. There may also be a deductible, excess or limits on this type of cover so check with your GIBA insurance broker.
Please talk to us about what may or may not be appropriate for your coverage.