Insurance

Home : Insurance

Insurance

Usually when we think about insurance, we think about car or home and contents insurance. While these may be valuable assets that we want to protect, are they as important as your life?

Imagine if you were unable to work for a period of time due to injury or illness. Would you or your family be able to manage financially?

The Plan offers a choice of 3 different types of insurance cover to eligible members*:

You can choose to apply for any combination of these insurances at any time and to tailor the amount of cover to suit the changing needs of you and your family.

If eligible* for insurance, you will automatically be covered for a certain level of life and salary continuance insurance upon joining the Plan.

And because each type of insurance is fully comprehensive, you and your family will generally be covered 24 hours a day, 7 days a week, regardless of whether you are at work**.

*Conditions apply. **Certain exclusions and offsets apply.

Occupational Risk Ratings

The insurer has divided the occupations of member into three levels depending on the risk of death or disablement associated with each occupation. A different set of premium rate for your insured benefit is calculated for each level, unless you elect the Basic Cover option.

You can refer to the following table for the level of risk associated with your occupation. If your occupation is not listed below you can use the general definitions or contact your employer for assistance.

Level One

General Definition

Duties of a professional, managerial or clerical nature. Usually located in an office environment - mainly not including manual tasks. Mainly not exposed to physical risk from type of work or equipment used, in travelling or location of work.

Occupation includes:-

  • Managers
  • Administrative Officers
  • Accounting Officers
  • Clerical Officers
  • Library Staff
  • Planners
  • Environmental Health Officers
  • Building Surveyors
  • Information Technology Staff
  • Customer Service Officers (Car Parks)

Level Two

General Definition

Duties of a supervisory &/or skilled nature. Where a minimum proportion (e.g. 30%) of duties are generally of a nature, type or at a location where you can be judged to be exposed to a higher risk level than Level One employees.

Occupation includes:-

  • Supervisors Workshop
  • Supervisors Depot
  • Supervisors Cleaning
  • Supervisors Trades
  • Supervisors Waste service
  • Rangers
  • Security Patrol Officers
  • Parking inspectors
  • Beach Inspectors
  • Pool Attendants
  • Store Persons
  • Couriers
  • Cooks
  • Canteen Staff

Level Three

General Definition

Duties mainly of a manual nature. Mainly employees in a non office or outdoor environment. Frequently involving manual tasks or equipment or machinery. Potentially exposed to a higher risk level than Level One employees.

Occupation includes:-

  • Trades Persons
  • Mechanics
  • Carpenters
  • Welders
  • Plumbers
  • Concrete Workers
  • Bricklayers
  • Electricians
  • Horticultural Trades Persons
  • Painters
  • Cleaners
  • Truck/Tractor Drivers
  • Plant Operators
  • Road Workers
  • Labourers
  • Pest Control Operators

Note: Your employer must confirm your correct risk rating on your application form.

 

 

 

 


 

 

 

 

 

 

 

 

 

 

walgsp