Freedom Accidental Death Insurance

After an accidental death policy? Here's why you should consider Freedom's Accidental Death Cover Policy

With the Freedom Insurance Accidental Death Cover, you can do all that and more by making a single phone call application and covering yourself with an Accidental Death Benefit lump sum of up to $500,000 in the case of an accident leading to your death.

As a 100% Australian owned specialist risk insurance business and issued by NobleOak, an Australian insurance and investment solutions provider with over 130 years of experience, Freedom Insurance’s focus on providing convenient access to affordable life insurance protection means that you and your family can get the protection you need and deserve without a fuss.

What does the Freedom Insurance Accidental Death Policy Cover?

Adding financial struggles to an already difficult and emotional time in you and your family’s lives could inevitably affect their day-to-day living and have debilitating effects. However, with a Freedom Insurance Accidental Death Policy you can protect your loved ones in the case of an accidental death.

According to the Freedom Insurance Accidental Death Policy, in the case that you have an accident which leads directly to your death within 90 days of the accident happening, you and your family can be paid a lump sum Accidental Death Benefit of up to $500,000.

The actual amount of the Accidental Death Benefit lump sum will vary between $50,000 to $500,000 for adults aged 18 or over and $10,000 to $30,000 for your other relatives who are children aged 17 or younger, depending on the level of cover you have chosen.

What’s more, the Freedom Insurance Accidental Death Policy will also allow you to insure up to 8 other relatives under the single Freedom Insurance Accidental Death Policy, provided that they are your:

  • Parent
  • Grandparent
  • Brother
  • Sister
  • Uncle
  • Aunt
  • Nephew
  • Niece
  • Lineal descendent
  • Adopted child
  • Partner
  • Partner of any relatives above

This added flexibility of insuring other members of your family under the one policy means that you can have the guaranteed peace of mind that you need and deserve as the caretaker of your loved ones – all for one low flat rate, regardless of their age or gender.

With affordable premiums to suit every budget and an extended cooling-off period of up to 42 days to receive a full refund if you decide to change your mind, the Freedom Insurance Accidental Death Cover is a safe option for the protection of your life and your loved ones around you.


What am I not covered for?

Like any other insurance policy, there are some basic exclusions to the Freedom Insurance Accidental Death Cover Policy and it is always recommended that you read the Product Disclosure Statement (PDS) in full to be aware of exactly what you are and are not covered for.

With the Freedom Insurance Accidental Death Cover, you will be unable to receive the Accidental Death Benefit lump sum if the accident that resulted in the death of an insured member occurred before the starting date of your cover.

Additionally, you will not be able to receive the Accidental Death Benefit if the insured member’s death is a direct or indirect result of:

    • Self-inflicted injury: Including deliberate self-inflicted injury, suicide or attempted suicide
    • Criminal activity: Participating or engaging in a criminal activity or any unlawful act
    • Aerial activity: Flying or otherwise engaging in any aerial activity except as a fare paying passenger in a fixed wing, motorised aircraft being operated by a licensed airline or charter company
    • Motorised sport: Participating in any motorised sport as a rider, driver, passenger or crew
    • War or terrorism: Including war (whether declared or not), an act of terrorism, riot or civil commotion
    • Alcohol or drugs: Including the effects of alcohol or drug misuse or any illicit drug use
    • Intentional act by carer: Only applies to children aged 18 or under where the death was an intentional act by their parent, guardian, relative or someone who lives with or cares for the child
    • Specific occupational tasks: Carrying out the duties of their occupation at the time of the accident, including working:
      • Above 10 metres from the ground
      • Underground
      • Offshore on a boat, outside Australian waters
      • Offshore on an oil or gas rig or platform
      • Underwater diving
      • With explosives
      • On active duty in the armed forces

What type of options does Freedom Insurance Accidental Death offer?

The Freedom Insurance Accidental Death Policy forms one-third of the Freedom Protection Plan, and offers the option of purchasing the remaining additional benefits of the optional Final Expenses Cover and the Accidental Injury Cover.

Under the Final Expenses Cover, you can be provided a cover of up to $15,000 payable upon death, which could provide relief for costs such as funeral expenses. During the first year of cover, the Final Expenses Cover benefit payment is only offered if the death is a result of an accident, but after the first year it is payable irrespective of whether the death occurred as the result of an accident or not.

The Accidental Injury Cover is another purchasable option whereby you will be provided cover of up to $200,000 that is payable if you obtain any of the following specified injuries as a result of an accident:

  • Blindness
  • Broken bone, where it is a serious fracture
  • Burns
  • Coma
  • Loss of hearing
  • Loss of independent existence
  • Loss of speech
  • Loss of use of limbs
  • Major head trauma
  • Paralysis

While the Freedom Insurance Accidental Death Cover is a great option for the protection of your loved ones in the case of an accidental death, it is also worth looking at the above benefit options for a more comprehensive cover.


Who is Eligible for This Cover?

Because there is no prerequisite need for a medical examination or a medical report at the time of your application, the Freedom Insurance Accidental Death Cover makes it easy for everybody to sign up.

To be eligible for the Freedom Insurance Accidental Death Cover, you must be an Australian resident and aged between 18 to 70 years of age at the time of your application.

If you choose to take the available option of additionally including up to 8 relatives under your Freedom Insurance Accidental Death Cover, all of them must be between 0 to 70 years of age at the time of application and be either your:

  • Parent
  • Grandparent
  • Brother
  • Sister
  • Uncle
  • Aunt
  • Nephew
  • Niece
  • Lineal descendent
  • Adopted child
  • Partner
  • Partner of any relatives above

How do I make a claim?

It’s completely understandable that losing a loved one may lead to a very emotional and difficult time for you and your family. That’s why when you need to make a claim, you’ll be glad to be taken care of by the highly professional and efficient Claim Team staff at Freedom Insurance.

Simply follow these steps:

1. Contact Freedom Insurance

Call 1300 88 44 88 anytime between 9am to 6pm EST, Monday to Friday to let the Claim Team know that you will be making a claim. It’s best to call as soon as possible following the event, so you can speed up the claim process. During this call, you will be given specific instructions about your next steps and any extra documentation required.

2. Send a completed claim form and any required documentation you were told about during your call in step 1, via:

      • Fax: 1300 98 67 95
      • Email: service@freedominsurance.com.au
        • Mail: The Claims Manager,
        • Reply Paid 3553,
        • Sydney NSW 2001

Notification of claim

Once all required documents are received, NobleOak (the issuer of Freedom Insurance Protection Plans) will assess the claim and notify you immediately of the outcome. If it has been successful, the benefit will be paid directly to your nominated account.

Losing a loved one can be a devastating experience, even more so if it was caused by an unexpected injury. Protect the most valuable people in your life with the Freedom Insurance Accidental Death Cover so that your loved ones will be well equipped to handle your loss without having to face the extra burden of imminent financial difficulties.

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