Apia Assisted Living Residence Insurance

Find out how Apia Assisted Living insurance can protect you.

Part of Suncorp, one of Australia’s largest banks, Apia (Australian Pensioners Insurance Agency) is a leading insurance company providing products and services to the over-50s market. Apia has more than 700,000 customers across Australia serviced by a network of branches and over 450 staff.

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What is Apia Assisted Living Residence Insurance?

Apia Assisted Living Residence Insurance is a product designed specifically for residents in nursing homes and other types of assisted living accommodation. The policy provides limited cover for contents that the policyholder owns and uses for domestic purposes against accidental loss or damage plus legal liability for up to $10 million.

What cover is provided?

Contents that are covered by Apia Assisted Living Residence Insurance include:

  • Domestic furniture and furnishings
  • Household goods
  • Medical equipment and aids
  • Clothing and other personal effects
  • Motorised wheelchairs and mobility scooters
  • Sporting, recreational and leisure goods and equipment
  • Portable electronic and electrical items and their accessories
  • Photographic and optical equipment

Cover includes loss or damage from incidents such as:

  • Flood, storm, lightning, fire, earthquake and tsunami
  • Theft or burglary
  • Escape of liquid
  • Impact
  • Damage by an animal
  • Explosion
  • Riot, civil commotion or public disturbance
  • Malicious acts and vandalism

Cover for legal liability is up to $10 million and includes:

  • All associated agreed legal costs
  • Compensation for death or bodily injury to other people
  • Compensation for loss or damage to another person’s property

Apia Assisted Living Residence Insurance also includes optional cover for personal valuables. These are specified items normally carried with you outside or away from your residence such as:

  • Jewellery, watches, handbags and wallets
  • Mobile phones, laptops and electronic tablets
  • Portable electronic and electrical items and their accessories
  • Sporting, recreational and leisure goods and equipment
  • Photographic and optical equipment
  • Wheelchairs, mobility scooters and medical aids designed to assist with physical disabilities
  • 4-wheeled motorised golf carts

What other benefits are available?

There are a number of extra benefits associated with Apia Assisted Living Residence Insurance including:

  • A 15% discount if you get a quote online
  • The option to pay your premiums monthly at no extra cost
  • New for old replacement of your contents regardless of age
  • A multi-policy discount if you have two or more eligible insurance policies with Apia

What is not covered?

Exclusions that apply to Apia Assisted Living Residence Insurance (circumstances in which a benefit will not be paid) include:

  • Loss or damage from arcing, scorching or cigarette burns, unless a fire spreads from the initial burn spot
  • The cost of repairing or replacing a tank or container that explodes
  • The cost of cleaning your undamaged contents
  • Breakage that doesn’t extend through the thickness of a damaged item
  • Loss or damage that occurs more than 72 hours after an earthquake or tsunami
  • Loss or damage from lightning where the Australian Government Bureau of Meteorology has no record of lightning in your area at the time
  • Loss or damage caused by someone who entered your residence with your consent
  • Any actions or movements of the sea (excluding tsunami and storm surge)
  • Loss or damage caused by you or someone who lives in your residence
  • Loss or damage due to the escape of liquid caused by wear and tear or gradual deterioration

How to make a claim

The steps involved in making a claim on your Apia Assisted Living Residence Insurance are as follows:

  • Make sure everyone is safe
  • For emergencies call 000
  • Try to prevent further loss, damage or liability
  • Report any theft or malicious damage to the police
  • Keep details of the date reported, police officer, police station and report number
  • Contact Apia as soon as possible after the incident, online or by calling 13 50 50
  • Have your policy number handy plus details of the incident, any relevant photos or documents and details of any other people involved
  • Provide proof of ownership and value of lost or damaged items if requested
  • Allow an Apia representative to inspect your damaged contents
  • Provide a quote for repair or replacement if you choose to use your own repairer
  • Send any contents items to Apia upon request or cooperate in their retrieval
  • Pay any applicable excesses
  • Leave the rest to Apia

FAQs


Don Gribble

Don is a creative writer with extensive experience writing scripts, blogs, web content and ebooks. He enjoys writing because it allows him to know a little bit about a lot of subjects and to continue learning new things every day.

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