Commonwealth Numbered Regulations

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INSURANCE CONTRACTS REGULATIONS 2017 (F2017L01658) - REG 28

Prescribed events

             (1)  The following, except in so far as they are excluded by subsection (2), are declared to be prescribed events in relation to a contract referred to in section 27:

                     (a)  the total disablement of the insured person from carrying out all the normal duties of his or her usual occupation as a result of the insured person contracting a sickness or disease, being disablement that occurs within 12 months after the insured person contracted the sickness or disease;

                     (b)  the death of the insured person, or the total disablement of the insured person from carrying out all the normal duties of his or her usual occupation, as a result of the insured person sustaining an accidental injury, being death or disablement that occurs within 12 months after the insured person sustains the injury;

                     (c)  the insured person becoming unemployed.

             (2)  The following are excluded:

                     (a)  death, disablement or unemployment resulting from:

                              (i)  a deliberately self-inflicted injury; or

                             (ii)  war or warlike activities; or

                            (iii)  expropriation of any property; or

                            (iv)  the use, existence or escape of nuclear weapons material, or ionising radiation from, or contamination by radioactivity from, any nuclear fuel or nuclear waste from the combustion of nuclear fuel;

                     (b)  death, disablement or unemployment resulting from the insured person:

                              (i)  being under the influence of intoxicating liquor or of a drug, other than a drug taken or administered by or in accordance with the advice of a duly qualified medical practitioner; or

                             (ii)  being addicted to intoxicating liquor or to a drug; or

                            (iii)  taking part in a riot or civil commotion; or

                            (iv)  acting maliciously; or

                             (v)  engaging in professional sporting activities;

                     (c)  death or disablement occurring at a time when the insured person is flying, or engaging in aerial activities, otherwise than as a passenger in an aircraft that is authorised to fly under a law that relates to the safety of aircraft;

                     (d)  the insured person becoming voluntarily unemployed;

                     (e)  if the insured person is employed for a specified period or by reference to specified work--the insured person becoming unemployed at the expiration of the period or on the completion of the work.



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