OnePath OneCare TPD Insurance

Receive flexible cover for total and permanent disablement with OneCare

OnePath TPD Cover will pay a lump-sum benefit if you are diagnosed with a total and permanent disability and are unable to work again. The policy comes with a range of cover types to suit your occupation and additional cover for Accidental Death, Terminal Illness and Needlestick Injury.

Read the review to find out exactly what is covered or submit your details below to receive a quote.

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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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Key Features of OnePath OneCare Total and Permanent Disablement (TPD) Cover

The OnePath OneCare Total and Permanent Disablement (TPD) Cover plan offers a range of features that policyholders will benefit from. Some of the key features of the plan include:

  • Benefit payment options: You will be able to choose how you want your benefit paid with this insurance, with the options of having instalments or if you prefer a lump sum payment.
  • Bundling discounts: If you take this cover out as a package with other OneCare insurance products, you can benefit from discounts on your premiums.
  • Choice of coverage: Everyone has diverse needs when it comes to insurance cover, and with the OnePath OneCare Total and Permanent Disablement (TPD) Cover you can choose from a number of options when it comes to coverage levels.
  • Increasing cover with further tests: As your life and circumstances change you can increase your coverage levels with this insurance, and you will not need to undergo any medical tests to do this.
  • Rewards: You can even earn rewards when you take out OnePath OneCare Total and Permanent Disablement (TPD) Cover, as you can earn Qantas Frequent Flyer points at a rate of 1 point per dollar spent on premiums.

How OnePath OneCare TPD Cover can Help

OnePath OneCare Total and Permanent Disablement (TPD) Cover is a protective insurance plan designed to pay out a benefit in the event that the policyholder is struck down with a total and permanent disability. You can benefit from a choice of different coverage levels of types, which means that there are options to suit a variety of requirements and budgets.

There are many ways in which consumers can benefit from having OnePath OneCare Total and Permanent Disablement (TPD) Cover in place. Some of these include:

  • Protection for the future: Even though you may think that you will never fall victim to an illness or injury that causes total and permanent disability, it is impossible to tell what the future has in store. With this in mind, this coverage could provide valuable financial protection for the future in the event that you do fall victim to such an accident or illness.
  • Peace of mind: You will be able to benefit from valuable peace of mind when you take out OnePath OneCare Total and Permanent Disablement (TPD) Cover. This is through the knowledge that if you do contract an illness or injury that causes this sort of disability, you will have some financial protection in place.
  • Ability to improve quality of life: The money you receive from your OnePath OneCare Total and Permanent Disablement (TPD) Cover will help to improve your quality of life at a time when you most need it. This could be through providing you with the ability to adapt your home, pay for enhanced medical treatment, or spend better quality time with your loved ones.
  • Keeping on top of financial commitments: Although your life will change in many ways if you are affected by total and permanent disability, one thing that will not change is the need to have money for bill payments, accommodation costs, and other financial commitment. The money you get from your OnePath OneCare Total and Permanent Disablement (TPD) Cover will enable you to keep on top of these financial commitments, so you will not have to worry about your finances in addition to your health.

With the OnePath OneCare Total and Permanent Disablement (TPD) Cover, you will be able to provide greater stability when it comes to your financial future. Of course, the hope is that you will never need to claim on your OnePath OneCare Total and Permanent Disablement (TPD) Cover because you will continue to enjoy fitness and good health; however, having this cover in place means that you have protective measures in place just in case.

Am I eligible for OneCare TPD Cover?

  • The minimum entry age for OneCare TPD Cover inside or outside of super is 15 years of age and the maximum entry age is 60.
  • For people who are not working the maximum entry age is 75 (74 for those with self-managed super funds).

Exclusions you ought to be aware of

OneCare TPD Cover will not pay a benefit if the insured’s total and permanent disablement or specified loss is the result of an intentional act or omission on their part.

Obtain a preliminary TPD insurance quote from OnePath

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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