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ANZ Recover Well

Focus on your recovery, not your living costs.
 

Quote or apply Call 13 16 14

Support when you need it the most

If you're diagnosed with a covered serious illness or injury, ANZ Recover Well can mean money in your pocket to reduce the stress on you and your family. It can also help you buy the things you may need to improve your quality of life.


What's covered?

  • Apply for up to $1 million for eight serious illnesses or injuries including cancer and heart attacks disclaimerdisclaimer
  • Get partial payments for five other illnesses or injuriesdisclaimer
  • Apply online and get immediate coverdisclaimerdisclaimer
  • Enjoy the flexibility to increase, decrease or pause your coverdisclaimer
  • Protect your cover against inflationdisclaimer
  • Choose between Level Premiums or Stepped Premiumsdisclaimer

Choose the cover you want

You can choose the cover level that works for you, up to the limits for your age and gross annual income at the time you apply.
 

Ages

Critical Illness Cover levels
if your gross annual income
is less than $125,000:

Critical Illness Cover levels
if your gross annual income
is $125,000 or more:

18 to 44

$50,000 up to $750,000

$50,000 up to $1,000,000

45 to 54

$50,000 up to $375,000

$50,000 up to $500,000

55 to 59 

$50,000 up to $125,000

$50,000 up to $250,000

The number of health, occupation, and lifestyle questions we will ask when you apply depends on the level of cover you select. See the ‘We may ask you some health, occupation and lifestyle questions’ section of the ANZ Recover Well Product Disclosure Statement and Policy Document (PDF 132kB) for more information.


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 Product Disclosure Statement (PDS) (PDF 132kB) and all policy documentation. 

Qualifying periods and eligibility requirements apply to this product including age, residency and your existing cover - see below for details.

Depending on your cover, a five year pre-existing medical condition exclusion may apply to your policy. If so, this will be shown on your Policy Schedule. A 90-day qualifying period applies to all cover.

A pre-existing medical condition is an injury, illness, condition or related symptom that, in the five years before the policy start date, you (or a reasonable person in your position):

  • were aware of or should have been aware of
  • had, or were intending to have, a medical consultation for.

We don’t pay a claim if it relates to:

  • not surviving eight days without life support after a covered condition occurs or is diagnosed
  • contracting HIV or AIDS
  • an intentional act or omission, for example if you harm yourself
  • war (whether or not it’s formally declared), hostilities, civil commotion or insurrection
  • visiting a country where a ‘Do not travel’ warning has been issued by the Australian Department of Foreign Affairs and Trade (DFAT).

Get cover, quickly and easily

It can take less than 10 minutes to get an ANZ Recover Well quote. Apply online now to get started.

And once you’re accepted, you’re immediately covered with critical illness insurance.disclaimer

No medical tests. No blood tests. With ANZ Recover Well, you’ll get fast, quick and convenient cover for a range of critical illnesses.

 

Quote or apply

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

   


Add your insurance details to the ANZ App

Add insurance policies to the ANZ App so that the details are handy when you need them. 

Browse and buy a range of insurance coverage including home, motor, travel, life and income protection.
 

Learn more

  

Use our easy claims process

We know life insurance claims come at an extremely 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 



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Get your critical illness insurance now

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Mon-Fri 8am to 7pm (AEST)

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Entry age: You are between 18 and 59 years old inclusive.

Residency: You must currently be living in and receiving this PDS in Australia, and be either:

  • an Australian or New Zealand Citizen, or
  • an Australian Permanent Resident.

Existing cover: At the time you apply for this policy, you do not have cover in place either:

  • under an existing ANZ Recover Well policy, or
  • with OnePath Life that exceeds $1 million critical illness or trauma cover.

Where you have the optional Critical Illness Cover under an ANZ Life Insurance policy issued by OnePath Life which commenced on or after 21 May 2016, at the time of applying you must also not exceed the combined Critical Illness Cover amounts for your age as shown in the ‘How much cover you can apply for’ section of the PDS (PDF 132kB).    

How long you are covered: You can keep your cover until the policy anniversary after your 70th birthday.

The number of health, occupation, and lifestyle questions we will ask when you apply depends on the level of cover you select. See the ‘We may ask you some health, occupation and lifestyle questions’ section of this PDS (PDF 132kB) for more information.

As a valued customer we want to hear from you if any of our products and services have not met your expectations.

If you would like to compliment one of our staff or make a suggestion on how we can improve, we want to know. If we made a mistake, or our service does not meet your expectations, we also want to know.

Talk to us

We're committed to ensuring our products and services meet your expectations and we value your feedback regarding how we are performing.

Our customer care unit is your first point of contact for raising complaints or providing feedback. You can contact us directly via phone, email or in writing and we will endeavour to resolve your concerns quickly and fairly. We will aim to resolve your complaint within 15 business days.

External dispute resolution

If you're not satisfied with the outcome of your complaint, or if we’ve taken more than 45 days to respond to you from the date you first made your complaint, you can contact the Financial Ombudsman Service (FOS), an ASIC-approved external dispute resolution body.

FOS is a free service that resolves insurance disputes between consumers and insurers. If you wish to access FOS, you can contact them:

Call us:

Email us:

yourfeedback@onepath.com.au

Write to us:

Wealth Complaints Resolution Centre
GPO Box 4028
SYDNEY NSW 2001

Call:

1800 367 287 on weekdays (except on public holidays) from 9am to 5pm (AEST)

Email your complaint to:

info@fos.org.au

Write to:

GPO Box 3
Melbourne VIC 3001

Online at:

fos.org.au

Escalating your complaint

If you're not satisfied with the resolution offered by our customer care unit, you can have your complaint reviewed by a Dispute Resolution Specialist.

A final decision will be provided within 15 business days of your complaint being escalated, unless they have requested and you have agreed to give them more time.

The above content relates to policies issued from 21 May 2016 under the ANZ Recover Well Product Disclosure Statement and Policy Document (PDF 132kB) 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 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 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 Income Protection covers two separate financial products – Income Cover is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) and Involuntary Unemployment and Family Care Cover are issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288 160) (OnePath General). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Income Protection Product Disclosure Statement and Policy Document (PDF 272kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Financial Planners are representatives of ANZ, the holder of Australian Financial Services Licence number 234 527.

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 www.fsc.org.au.

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 qantas.com/anzlifejoin. 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.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527).  Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

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The amount of Critical Illness Cover you can apply for depends on your age and gross annual income and answers to a number of health, occupation and lifestyle questions at the time you apply for cover. To determine whether to accept your application for cover, we may ask you some health, occupation and lifestyle questions. The number of questions we ask you may vary depending on the level of cover you select.

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These 8 covered illnesses or injuries include:

  • Cancer*
  • Heart attack*
  • Coronary artery by-pass surgery*
  • Chronic kidney failure
  • Stroke*
  • Multiple sclerosis*
  • Loss or paralysis of limb
  • Severe burns

*A 90 day qualifying period applies.

For full definitions of the above conditions, see the ‘Glossary of Important Terms’ section of the ANZ Recover Well Product Disclosure Statement and Policy (PDF 132kB).

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The 5 covered medical conditions or injuries include:

  • Adult type 1 diabetes mellitus*
  • Angioplasty*
  • Carcinoma in situ*
  • Severe endometriosis*
  • Burns to a limited extent

*A 90 day qualifying period applies

For full definitions of the above conditions, see the ‘Glossary of Important Terms’ section of the ANZ Recover Well Product Disclosure Statement and Policy (PDF 132kB).

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Some specified conditions such as cancer, stroke, heart attack, coronary artery by-pass surgery, carcinoma in situ, angioplasty, severe endometriosis and adult type 1 diabetes mellitus are subject to a 90 day qualifying period for the Critical Illness Cover to be payable. Refer to the PDS (PDF 132 kB) or by calling 13 16 14.

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If a pre-existing medical condition exclusion applies, it will be referenced on your Policy Schedule. If it applies to you, a pre-existing medical condition is an injury, illness, condition or related symptom that, in the 5 years before the policy start date; you (or a reasonable person in your position) were aware of or should have been aware of; or for which you had, or were intending to have, a medical consultation; or for which a reasonable person, in your circumstances, would have had a medical consultation.

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With Premium Pause, you can put your policy on hold for up to 12 months, or 24 months if you are on parental leave. You won’t pay premiums during that time, but you won’t have cover for that same period of time or for 90 days after your premium starts again.

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With Stepped Premium, your cover will be raised in line with the indexation factor or 5%, whichever is more. Your premium will also rise. This increase will be subject to the maximum cover levels applicable to you. You can opt out of this increase each year or permanently.

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A stepped premium is where your premium is recalculated on the anniversary of your policy. With the Level Premium option, your premiums will generally stay the same each year, unless we change the premium rates as described in the ‘We can increase your premiums with 30 days notice’ section of the PDS. From the policy anniversary after you turn 65 your premiums will revert to the Stepped Premium option which will remain until your policy ends.

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