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OneCare
OneCare provides a range of insurance covers to suit your financial circumstances, no matter what your life stage, whether you are single, have a family or run a business.
The flexible nature of OneCare allows you to tailor insurance for all members of your family and/or business all under the one policy.
You can design a protection solution by choosing from the following range of covers offered by OneCare:
- Life Cover
- Total and Permanent Disability (TPD) Cover
- Trauma Cover
- Income Secure Cover
- Business Expense Cover
- Living Expense Cover
- Child Cover.
 Click here for more information about OneCare.
Life Cover
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Life Cover offers you peace of mind that your interests will be protected if you die or are diagnosed with a terminal illness. The amount insured is paid as either a lump sum or instalments. It may be helpful to clear the mortgage and other debts, provide for the children’s education and cover living expenses.
Life Cover can be purchased through superannuation.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
TPD Cover
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TPD Cover offers protection and financial peace of mind if you become totally and permanently disabled. The amount insured is paid as either a lump sum or instalments. It may be used to eliminate debt, pay ongoing medical expenses, make necessary home modifications, or to hire home care services such as nursing, cleaning and cooking.
TPD Cover can be purchased through superannuation.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy
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Trauma Cover
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Trauma Cover allows you to be prepared for the financial impact of a trauma. If you suffer a specified trauma condition, we will pay the amount insured as a lump sum or instalments. This may assist with medical costs, extra care and the day to day expenses that quickly accumulate. It may also clear debts so that you can focus on a full recovery at your own pace.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
Income Secure Cover
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Income Secure Cover is income protection insurance that pays up to 80% of your income while you are unable to work due to injury or illness. We will pay a monthly benefit until you recover, or until the end of an agreed benefit period. These monthly payments allow you to meet regular expenses and maintain your lifestyle while you are unable to work.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
Business Expense Cover
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A successful business plan considers contingencies and is prepared for the unexpected. A successful business plan includes Business Expense Cover. Business Expense Cover will pay a monthly benefit to assist with the day to day running expenses of your business if you are totally or partially disabled and unable to work. This will help with salaries, rent or mortgage payments, amenities bills and many other allowable business expenses.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
Living Expense Cover
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Living Expense Cover is designed for casual employees, home-makers, those not eligible for Income Secure Cover, or those who just want a basic level of cover. It may also be helpful for retired people.
This cover may enable you to pay day-to-day living costs and stay in your own home longer, or can help with the costs of either in-home carers or a long-term care facility. It provides a monthly benefit if you become significantly disabled.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
Child Cover
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You can't protect your children from everything, but you can provide them with the help they might need by being financially prepared.
If a child suffers a specified trauma condition or dies, we will pay the amount insured. This may help with medical expenses, rehabilitation and home modifications.
Child Cover is only available if you buy another OneCare cover under the same policy.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
Extra Care Cover
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Extra Care Cover must be taken in conjunction with another OneCare type, and enables you to optimise your protection. It can be used to boost Life Cover sums insured (in the event of an accidental death), top up terminal illness protection and provide additional needle stick coverage for medical professionals.
Extra Care cover is available through superannuation, except for the Needle Stick Benefit.
Product Disclosure Statement (PDS)
Customer tax guide
Privacy policy |
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This is general advice only and does not take into account the life insured's individual objectives, financial situation or needs (their personal circumstances). Before using this advice to purchase a financial product the life insured should consider how appropriate it is in regard to their personal circumstances. ING Life Limited (ING Life) is the insurer of each policy from the OneCare range and the issuer of the OneCare Product Disclosure Statement (PDS).
ING Custodians Pty Limited (INGC) is the issuer of the OneCare Super PDS. You can obtain a copy of the PDSs by downloading the pdfs here. You should consider the PDSs in deciding whether to acquire or continue to hold a product within the OneCare range.
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