Injury Insurance

Up to four benefits can be paid:

• Living Assist Benefit of up to $800 per day to help with day-to-day living (provided you’re unable to perform at least 3 of the following activities - washing/bathing, dressing, eating, using the toilet or mobility without the assistance of a fulltime caregiver)
• Homecare Assist Benefit of up to $200 per day to help pay the costs of home assistances such as: cleaning, cooking and minor alterations to your place of residence (only payable if you receive a Living Assist Benefit)
• Transport Assist Benefit lump sum payment of up to $800 to help with transport costs to and from medical appointments in Australia (only payable if you receive a Living Assist Benefit)
• Fracture Benefit lump sum payment of up to $40,000 for a fracture, depending on type (there are exclusions relating to osteoporosis) 
• Claim as often as you need to within the maximum benefit limit. See plan options.
• Access to Best Doctors, opens in new window, a service which connects you with a network of over 50,000 leading medical specialists from around the world. It offers a second opinion when you need it most, helping you get the right diagnosis and treatment plan.

This snapshot is a guide only. Make sure you read the NAB Essentials Product Disclosure Statement (PDF, 387KB), opens in new window for details of exclusions, limitations, eligibility, fees and charges and how benefits are calculated and paid. Please also read the NAB Financial Services Guide.

No benefits will be paid for claims arising from:

• A pre-existing condition 
• Attempted suicide, intentional self-inflicted injury or illness 
• Being under the influence of alcohol, or drugs unless taken under the direction of a medical practitioner 
• Involvement in criminal activity 
• War or warlike operations 
• Participating in professional sports, or dangerous pursuits including mountaineering, boxing, jet-skiing, martial arts and rock climbing 
• Flying other than as a passenger on a regularly scheduled flight of a licensed commercial airline 
• Working underground, offshore in the oil, gas or petroleum industry, with explosives, or at heights greater than 10 metres 
• Any disease, illness of any kind (including mental illness or surgical treatment). 
• Any fracture where osteoporosis has been diagnosed before the start of the policy.

Also:

• The Living Assist Benefit is not payable if the required level of disability does not start within 90 days of the accident. 
• For fractures, your benefit amount will depend on the type of fracture (eg. 2% for a fractured toe, 40% for a fractured ankle and 100% for a fractured hip)

This snapshot is a guide only. Make sure you read the NAB Essentials Product Disclosure Statement (PDF, 387KB), opens in new window for details of exclusions, limitations, eligibility, fees and charges and how benefits are calculated and paid. Please also read the NAB Financial Services Guide.