Terms and Conditions

Eligibility

Cover is only available to Australian Residents.
Cover is only provided to a natural person employed within the Resources Sector of Western Australia.
Cover is provided if you are a permanent employee and are working more than 15 or more hours each week.
Members must be aged between 16 and 64. The maximum insurable age is 70 however in order to be eligible for cover to age 70, you must join prior to 65 years of age.
Death cover only continues to age 70. Trauma cover ceases at 65.
Members must apply to Miners’ Promise within 30 days of receiving the offer of membership. If a member joins outside of the 30 days then limited cover will apply for 24 months.
Members must declare if they have any known pre-existing injuries or illness at the time of applying for membership.

Exclusions

Member dies as a result of suicide or attempted suicide within 13 months from the date cover commences or from the date of any reinstatement of such cover.
The member dies as a result of any pre existing injury or illness.

Additional Exclusions Applying to a Trauma Condition

Where the Trauma Condition is suffered directly or indirectly due to:

intentional self inflicted Injury or Illness or intended self harm, or

the member participating in any criminal act.

We will not pay a benefit for a Trauma Condition where the Trauma Condition suffered is as a result of a pre-existing condition. A pre-existing condition arises if one or more of the following medical conditions is suffered and diagnosed by a Medical Practitioner at any time in the past prior to commencement of risk under this policy:

(a) major organ transplant,

(b) stroke,

(d) heart attack, any heart condition or heart surgery

Trauma Cover

means one of the following conditions;

(a) Cancer

Which is specifically defined as the presence of one or more malignant tumours including leukaemia, lymphomas and Hodgkin’s disease as characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of the normal tissue.

Diagnosis must be by a Medical Practitioner approved by us.

The following tumours are excluded;

Tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia CIN-1, CIN-2, and CIN-3) or which are histologically described as pre-malignant *;

Carcinoma in situ of the breast is covered if it results directly in the removal of the entire breast. The procedure must be performed specifically to arrest the spread of malignancy, and be considered the appropriate and necessary treatment.

All skin cancers, unless there is evidence of metastases or the tumour is a Malignant melanoma of at least Clark level 3, or greater than 1.5mm maximum thickness as determined by histological examination using the Breslow method;

Prostatic cancers which are histologically described as TNM Classification T1 or are of another equivalent or lesser classification, unless resulting in the surgical removal of the prostate;

Papillary Micro-Carcinoma of the thyroid or bladder; and

Chronic Lymphocytic Leukemia less than RAI Stage 1.

(b) Coronary Artery Bypass Surgery

Which is specifically defined as coronary artery bypass graft surgery considered medically necessary by a Medical Practitioner approved by us, performed in an open heart operation for coronary artery disease causing inadequate myocardial blood supply, but does not include laser therapy angioplasty or any other intra-arterial procedure.

(c) Heart Attack (Myocardial Infarction)

Which is specifically defined as the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The basis of the diagnosis by a Medical Practitioner approved by us will be;

Confirmatory new electrocardiogram (ECG) changes, and;

A diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in either Troponi I in excess of 2.0 ug/L or Troponin T in excess of 0.6 ug/L or cardiac enzyme CK-MB.

If the above criteria are not met, we will pay a claim based on satisfactory evidence that the Life Insured had unequivocally been diagnosed by a Medical Practitioner approved by us as having suffered a myocardial infarct resulting in;

A permanent reduction in the Left Ventricular Ejection Fraction to less than 50%, measured 3 months or more after the event, or;

New pathological Q waves.

(d) Major Organ Transplant Surgery

Means the human to human organ transplant from a donor to the Life Insured of one or more of the following organs;

Heart;

Kidney;

Liver;

Lungs;

Pancreas;

or, the transportation of bone marrow.

The transplantation of any other organ, only part of an organ or any other tissue transplant are excluded from this definition. The operation must be considered medically necessary by an appropriate Medical Practitioner approved by us.

(e) Stroke

Which is specifically defined as the first occurrence of a cerebrovascular event producing neurological deficit as diagnosed by a Medical Practitioner approved by us. This requires clear evidence on a CT, MRI or similar, appropriate scan or investigation that a stroke has occurred and of infarction of brain tissue, intracranial and/or subarachnoid haemorrhage, or embolisation from an extracranial source.

Transient ischaemic attacks, reversible neurological deficit, cerebral symptoms due to migraine, cerebral injury resulting from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions are excluded.

(i) Major Head Trauma

Which is specifically defined as neurological deficit resulting from trauma, causing at least 25% impairment of whole person function lasting more than three weeks from the date of the trauma, and likely to persist, as certified by a consultant neurologist.

(j) Severe Burns

Which is specifically defined as full thickness burns to;

At least 20% of the body surface area;

Both hands, requiring surgical; debridement and/or grafting; or

The face, requiring surgical debridement and/or grafting.

T & C's subject to change