Occupationally Acquired Infection

As medical professionals, you can be exposed to an increased level of risk than other occupations, so it’s important to have the right cover to protect yourself financially when things go wrong in the workplace.

What is Occupationally Acquired Infection insurance?

Occupationally Acquired Infection insurance is available to financially protect medical professionals if they contract an infection while working.

Occupationally acquired infections covers Human Immunodeficiency Virus (HIV), Hepatitis B or Hepatitis C.

Key features
  • A one-off payment if  you unintentionally acquire HIV, Hepatitis B or Hepatitis C as a result of performing your normal duties in  the health industry
  • If we have paid a one-off payment of $100,000 or more, we’ll reimburse up to $5,000 for the cost of a financial plan from a qualified adviser
Product overview

How does it work?

A one-off payment is made if you unintentionally acquire HIV, Hepatitis B or Hepatitis C as a result of performing your normal duties in the health industry.

You can apply for Occupationally Acquired HIV, Hepatitis B or Hepatitis C insurance of $25,000, up to $1 million.

This insurance is only available for certain medical occupations such as doctors, surgeons, dentists, nurses and ambulance officers.

Premium options

You can choose to pay your premiums as:

  • Stepped – as you get older, your insurance premium will vary each year and your benefits will remain the same
  • Level – your insurance premium does not go up by age-related increases and your benefits will remain the same

Regardless of whether you choose stepped or level premiums, when you renew your insurance each year your premiums may vary due to rate increases, Consumer Price Index (CPI) increases, policy fee increases or if you add additional insurances to your policy.

Funding options

Occupationally Acquired Infection insurance is available outside of super only.

Additional options
No additional options for this insurance.

Do you need Occupationally Acquired Infection insurance?

You may want to consider this type of insurance if you:

  • work in the health industry (eg as a doctor, surgeon, dentist, nurse or paramedic)
  • have a partner, family or dependants
  • have a mortgage or any other personal debt
  • don’t have significant savings to cover unexpected expenses.

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