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ANZ Accident Cover Plus

ANZ has suspended the sale of ANZ Accident Cover Plus while it undertakes a strategic review.


Make a claim Call 13 16 14

Accidents happen –
get cover for accidental death and injurydisclaimer

An accident can change things instantly, but it only takes a few minutes to help financially protect yourself and your family from the unexpected costs of accidental death.

With the added option of our Accidental Injury Benefit, we can cover you for a range of accidental injuries so that you can receive a lump sum payout to help you through a difficult time.

What's covered?

Cover highlights

  • Accidental Death Benefit which can provide a lump sum payment of your chosen cover amount if you were to pass away as a result of an accident
  • Payment of up to $50,000 under the optional Accidental Injury Benefit if you sustain a covered accidental injurydisclaimer
  • Bed Care Benefit of $100 a day up to 10 days, if you are confined to bed as a result of a covered accidentdisclaimer
  • Pay premiums monthly, fortnightly or annually

Extra benefits

  • Apply with no medicals, blood tests or lifestyle questions from age 18 up to age 74
  • Immediate cover as soon as your application is accepted
  • Premiums that don’t increase with age
  • If you pay annually, receive an automatic discount

What's not covered?

The information on this page is only a summary of some of our cover and exclusions. For a complete statement of the cover offered, exclusions, conditions and limits that apply under the policy, you should carefully read the ANZ Accident Cover Plus Product Disclosure Statement and Policy Document (PDF 151kB).

Eligibility requirements apply to this product including age and residency - see below for details.

We won't pay a claim for death or injury that occurs:

  • six months or more after the accident
  • as a result of you being under the influence of alcohol, drugs, or other illegal substances (including motor vehicle accidents)
  • while participating in or training for a professional sport or speed contest
  • during air travel, or aerial ascents or descents, except as a fare-paying passenger of an air travel organisation licensed to carry passengers
  • as a result of suicide or attempted suicide
  • as a result of an intentional act or omission
  • as a result of war, hostilities or civil insurrection.

Use our easy claims process

We know accident insurance claims come at a stressful time. With support available online and over the phone, we're there for you when you need us.

Once we've received your claim, we'll let you know if we need more information.


Make a claim 

Earn Qantas Points with your policy

If you’re a Qantas Frequent Flyer member, you can earn 1 Qantas Point for every $1 of premium paid on your eligible ANZ Life Insurance policy.

If you're not a member of the Qantas Frequent Flyer program yet, you can join for free.


Find out more



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Existing policyholders - how to claim

13 16 14

Mon-Fri 8am to 7pm (AEST)

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You can apply for ANZ Accident Cover Plus if you are:

  • an Australian or New Zealand citizen or Australian permanent resident, residing in Australia
  • between age 18 and 74.

You can keep your cover until the policy anniversary after you turn 84.

How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. 

Talk to us

Our customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. Our contact details are below. We will do our best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you are not satisfied with the response to your complaint or feedback, your concerns will be escalated to our Complaints Resolution Centre.

Call us:

  • 13 16 14 on weekdays from 8:30am to 6:00pm (AEST)
  • +61 2 9234 8111 for international clients

Online: OnePath feedback, compliment, and complaints form

Email us:

Write to us:

Complaints Resolution Centre
GPO Box 4028


Escalating your complaint

ANZ Banking Group Limited (‘ANZ’) has an office of the Customer Advocate. The Customer Advocate reviews matters which have not been resolved during the internal dispute resolution process, to attempt to reach a resolution that is fair to the customer and OnePath.

If you are not satisfied with the outcome of our internal dispute resolution process, you can refer your complaint to the Customer Advocate. 

The Customer Advocate operates separately from ANZ's businesses and reports to the Chief Executive Officer (Australia). The Customer Advocate can be contacted at:

Call us:

02 9234 5521

Email us:

Write to us:   

Customer Advocate
Level 6/ 347 Kent Street,



External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with AFCA who provides fair and independent financial services complaint resolution that is free to consumers. 

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.The AFCA contact details are:

Call us:

1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)

Email your complaint to:

Write to us:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001



This information was published on 9 October 2018 and is subject to change.

The above content relates to policies issued from 12 March 2014 under the ANZ Accident Cover Plus Product Disclosure Statement and Policy Document (PDF 151kB), and is current as of today. Previous products (with the same name) may have different features and benefits. If you are an existing customer, please contact us if you have any questions about your cover.

ANZ Accident Cover Plus is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Accident Cover Plus Product Disclosure Statement and Policy Document (PDF 151kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Life Insurance is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB)ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF 145kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Recover Well is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Recover Well Product Disclosure Statement and Policy Document (PDF 132kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Home Building Key Facts Sheet (PDF 133kB)ANZ Home Contents Key Facts Sheet (PDF 134kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 1.3MB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.

OnePath Life has adopted the Life Insurance Code of Practice (the Code), which contains minimum standards of service that customers can expect from insurers. The Code can be found at

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527 is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of these products are not Banks. Although ANZ distributes these products and except as described in the relevant PDS, ANZ does not stand behind or guarantee the issuers or the products.

This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) to earn Qantas Points on eligible insurance policies. Eligible insurance policies are the following ‘OnePath’ and ‘ANZ’ branded direct life insurance policies: term life, income protection, trauma, accidental death and total and permanent disability. The following retail policies are also eligible: OneCare, OneCare Super, SmartCare and World of Protection. A joining fee usually applies. However, OnePath Life has arranged for this to be waived for new customers who join at This complimentary join offer may be withdrawn at any time. Membership and points are subject to Qantas Frequent Flyer program terms and conditions. Points are earned in accordance with the 'OnePath and Qantas Frequent Flyer Rewards terms and conditions'. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about the insurance product(s) in this communication.

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You have the option to include Accidental Injury cover with your policy to receive a lump sum payment for a range of covered accidental injuries, including fractures and burns. Please refer to the 'Accidental Injury Benefit (Optional)' section of the ANZ Accident Cover Plus Product Disclosure Statement and Policy Document (PDF 151kB) for full details.

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Accidental Injury Benefit amounts vary depending on the accidental injury sustained. For example, for permanent paraplegia the benefit amount is $50,000; and for severe burns the benefit amount is $25,000. Please refer to the 'Accidental Injury Benefit (Optional)' section of the PDS for full details.

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Provided that a medical practitioner certifies that the life insured needs to be confined to a bed and under the care of a registered nurse (for a minimum of 3 days) as a result of a covered accident. Please refer to the 'Bed Care Benefit' section of the PDS for full details.

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