OnePath Group Life Cover

Get more info about OnePath Group Life Cover in this handy product review.

OnePath’s Group Life Cover is designed to provide the financial support your loved ones need. If you die or are diagnosed with a terminal illness, this type of cover offers a lump sum payment to your family. This can help lessen the financial burden they will face if you die, allowing them to stay on top of all their financial needs and obligations.

Free from the need to worry about finances at such a stressful and emotional time, your loved ones will be free to simply focus on grieving and doing whatever it is they need to do to get on with lives. OnePath Group Life Cover is designed to be offered to employees and members of super funds, providing much-needed peace of mind for you and your family.

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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The features of OnePath Group Life Cover

Different life and critical illness plans can vary in terms of what is covered, what is excluded, the level of benefits and other key aspects. It is therefore important to ensure that you always check the details of any plan before you make a decision with regards to its suitability for your needs. The OnePath Group Life Cover plan, as the name suggests, is designed for groups, which means that it is aimed at employees and members of group super funds.

Some of the key features that you will get with the OnePath Group Life Cover plan include the following:

  • Death cover: If you die your family will obviously have to deal with a lot of emotional turmoil and the last thing they will need is to face financial turmoil as well. Under this feature of the plan, your beneficiaries will receive a lump sum payment if you die, which means that they will not have the added stress of money problems at what will be a very difficult time
  • Terminal illness cover: Being diagnosed with a terminal illness can be very stressful for the patient and their loved ones. This stress can be further exacerbated if there are also financial problems thrown into the mix, such as those arising from no longer being able to work due to your illness or even increased medical costs arising from the treatment required. With terminal illness cover you will receive an upfront lump sum if you are diagnosed with a terminal illness, which will ease the strain at a time when you need all of your strength to support yourself and your family
  • Worldwide cover: If you tend to go overseas either on business or for pleasure, this aspect of the plan can prove invaluable. With worldwide cover you get protection for up to three months whilst you are abroad, which means increased peace of mind for you and your loved ones
  • Disability cover: Being diagnosed with a disability that is total and permanent can also have a huge impact on your life and that can often affect your loved ones. With TPD cover, which is part of the OnePath Group Life Cover, you will receive a lump sum payment if you are diagnosed with this sort of disability
  • Renewable cover: Whether or not your circumstances change, you will find that you can renew your cover and continue with the policy every year providing you have kept up with payments on your premium and have met the other terms of your policy

These various features and benefits of the plan show that there is quite a lot that is covered under the OnePath Group Life Cover, making it an excellent choice for an all round, highly protective insurance plan. It is also a very cost effective way to combine life insurance, terminal illness cover and disability cover, as well as having extra protection such as the worldwide cover as part of the plan.

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OnePath optional features

In order to tailor your policy to match your needs, you can select one of several cover options, some of which are available at no extra cost. The optional covers you can choose include:

  • Future insurability. This cover feature allows you to apply for additional Death Cover only or Death and TPD Cover once in any 12-month period without having to supply any medical evidence when a specific life event occurs. These life events include getting married, having children, taking out a new mortgage or increasing an existing mortgage by at least $100,000. You can apply for additional cover on up to three separate occasions and will need to complete an application form and provide proof of the specific life event.
  • Death Cover continuation option. This is available as an in-built policy feature. It allows you to continue the same level of Death Cover available from your group policy under an individual policy from OnePath. However, you’ll need to satisfy a range of criteria which includes being under 60 years of age, an Australian resident or visa holder, have not received any other benefits under the policy and you must apply in writing.
  • TPD Cover continuation option. Choosing to add this option to your OnePath Group Life Cover Plan will incur an extra cost. It allows you to tailor your TPD cover to suit your specific requirements, however you will need to satisfy certain criteria. You must satisfy the criteria which apply to the Death Cover Continuation Option, be engaged in an occupation which is acceptable as an insurable occupation, and you must work the minimum hours required under your plan.
  • Non-standard TPD definitions. This is another extra-cost option that allows you to tailor the policy to your specific needs. You can select for a non-standard definition of TPD to apply to your plan, such as the "own occupation" definition or the "unlikely ever again to be able to do normal domestic duties" definition.
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How to make a claim with OnePath

If you wish to make a claim, it’s important that you notify OnePath on the earliest of:

  • Within 30 days of any event that may give rise to a claim
  • 30 days after the expiration of the six-month qualifying period
  • As soon as reasonably possible

Failure to do so may result in your claim being reduced or even refused. The insurer will then send you, your family or your legal representative a claim form within seven days. Filling out the claim form will give OnePath the information needed to assess your claim, though you’ll also typically be asked to provide medical information or other evidence. If you’re making a TPD claim, the insured person may be interviewed, vocationally assessed and may have to undergo rehabilitation.

In order for a claim to be paid, the insured member will have to provide a satisfactory claim form and proof of meeting all of OnePath’s claim terms, proof of their entitlement to claim a benefit, and proof of their age. More information on making a claim can be found at the OnePath website.

William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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