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Specified Injury Benefit

Specified Injury Benefit

More about the Specified Injury Benefit

My Protection Plan will pay the Specified Injury Benefit if a life insured fractures any of the following parts of their body.

  • Skull (excluding bones of the face or nose)
  • Forearm (including wrist but excluding elbow or hand) 
  • Jaw
  • Pelvis
  • Collar bone
  • Thigh
  • Shoulder blade
  • Kneecap
  • Upper arm (between the elbow and shoulder)
  • Leg (between the knee and foot)

How much does it pay?

The benefit amount shown on your policy schedule at the date the life insured’s specified injury happens. The benefit is paid to the policy owner and can be used for any purpose.

The Specified Injury Benefit is equal to 3% of the life insured’s Death and Terminal Illness Benefit amount, up to $7,500.

What if I have more than one injury?

There is no limit to the number of Specified Injury Benefit claims which you can make. However, only one Specified Injury Benefit is paid for each event, even if a life insured fractures multiple parts of their body at any one time.

Does this affect my other benefits?

No. Payment of a Specified Injury Benefit will have no effect on the level or continuation of the other benefits.

Example - How multiple injuries from one event affect the Specified Injury Benefit

Tobias owns a My Protection Plan and is the life insured. He is involved in a car accident and fractures his collar bone, pelvis and thigh. His treatment includes immobilisation to help all three fractures heal. Even though Tobias’ three injuries each meet the definition of specified injury, he may only claim for one benefit payment. His benefit payment will be 3% of his Death and Terminal Illness Benefit amount, up to $7,500. Tobias cannot claim a benefit for each injury.

For more examples of Specified Injury Benefit claims please read the Product Disclosure Statement and Policy Document.

Want to know more about our Specified Injury Benefit?

Please read the Product Disclosure Statement and Policy Document for full details. You can also reach out to our customer service team on 1800 006 776.


My Protection Plan is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. It is distributed by Australian Life Insurance Distribution Pty Ltd ABN 31 103 157 811 AFSL 226403 (ALI).  ALI’s AFS licence authorises the provision of general financial product advice only. This means that any advice provided to you by ALI and its representatives (including mortgage brokers appointed as its authorised representatives) in relation to My Protection Plan does not take into consideration your personal objectives, financial situation and needs, or any information held as a result of the provision of credit assistance by your mortgage broker relating to your home loan or other loans. Whilst the initial My Protection Plan quote you received was based on your loan amount, we are not recommending that this product nor any specific cover amount is personally suited to you and your circumstances. You should consider the combined Product Disclosure Statement and Policy Document (available at when deciding if this product is appropriate for you. If you require advice specific to your circumstances, you should speak to a financial adviser. © ALI Group 2021 

If you have an existing policy with us your benefits may differ. Please contact us to discuss.