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Needlestick Insurance

Depending on your line of work, you may need this specialist life insurance option. Our Ezicover Needlestick Plus policy covers you against an infection of the HIV virus, Hepatitis B or Hepatitis C acquired through an accident at work. Despite what the name suggests, the accident needn’t necessarily result from a needlestick injury.

There are many occupations that may be suited to this sort of insurance, including dentists, teachers, ambulance drivers, nurses, pathologists and police.

If you’re accidentally infected during the course of your normal work, you’ll receive a lump sum benefit of between $50,000 and $400,000 that can be used at your discretion. Get an instant quote on low-cost Ezicover Needlestick Plus online now!

Features of Ezicover Needlestick Plus

  • Pays a lump sum for occupationally acquired HIV, Hepatitis B or Hepatitis C
  • Is designed for people aged between 19 and 65
  • Offers cover in multiples of $50,000 up to $400,000 (you select the level of cover)
  • Does not normally require an interview or medical examination
  • Has a 21-day cooling off period
  • The first month's cover is free
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Policy Exclusions

A benefit will not be payable if:

  • HIV, Hepatitis B or Hepatitis C is contracted by any other means
  • a medical cure is found for Acquired Immune Deficiency Syndrome (AIDS), or the effects of the HIV virus, Hepatitis B or Hepatitis C (as applicable), or in the event of a treatment being developed and approved which makes these viruses inactive and non-infectious
  • you have AIDS or any AIDS related disorder or a positive blood test for the HIV antibody within six months of the start date of the cover, any increase in the cover (but only in respect of the increase) or the latest reinstatement of the cover unless you are able to provide evidence, in the form of sequence analysis of the source and index virus strains, satisfactory to us that an accident which occurred after the commencement of the policy involved the definitive source of the virus.
1300 Insurance Pty Ltd, a corporate authorised representative of Charter Planning ABN 35 002 976 294 AFSLN 234665 (1300 Insurance), is authorised to distribute and arrange for the issue of 1300 Insurance Ezicover products. The issuer of 1300 Insurance Ezicover products is Zurich Australia Limited ABN 92 000 010 195, AFSLN 232510 of 5 Blue Street, North Sydney, NSW 2060 (Zurich). This information is general in nature and does not take into account personal objectives, financial situation or needs. This information is a summary only and there are relevant exclusions and conditions described in the Product Disclosure Statement (PDS). You should refer to the PDS for further information before making a decision about Ezicover Insurance. If you buy an Ezicover policy, Charter will receive a referral commission from Zurich of up to 70% (plus GST) of your insurance premium.