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The plan is a voluntary group insurance.
This means you can choose to join the plan, and can select the benefit combination that
suits you. The benefits of
this plan are restricted to employees of the DHB named in the eligibility rules and are
not transferable between DHBs unless both entities are operating the voluntary group
insurance plan independently.
AMP Life is the Plan's insurer.
Click here to visit the AMP LIfe website.
Permanent employees or employees on a fixed term contract of 2 years, working 15 hours or more per week at the DHB and are aged 16 to 64 years old. Please refer to the policy wording and terms including full eligibility criteria and definitions. For more information, please here to contact Mercer Marsh Benefits.
The insurance covers offered in this Plan are designed to protect your family, debts or mortgages and your future income earning capacity. Insurance is a risk management tool that protects you and your family should the unexpected occur.
It provides a sum of money that can be used to clear debts such as mortgages, pay for medical treatment, set up an education fund, pay funeral costs, replace income or to make necessary provisions for the future.
The insurance is based on group policy rates which are generally much lower than retail policies. The lowest premium cannot be guaranteed for any particular age, gender or cover, now or in the future. Most people should be able to see lower premiums than the equivalent retail rates. Premium savings may vary depending on age and cover selected.
The amount of premium is calculated based on your age, gender and the amount and type of cover selected. The premium payable will then be calculated, and deducted, in alignment with your salary pay cycle.
Each year on the plans renewal date, your premium will be adjusted in line with your age and salary.
If any deductions are missed during the plan year you will remain liable for the missed premium amounts. Missed premiums could put any potential claims at risk.
Yes, your premiums will change at the plan's annual renewal date in line with your age, salary and cover level at that time.
The underlying risk rate tables are fixed usually every three years. The plan's rates are guaranteed until 1 July 2020. Please refer to the plan policy documents for more information.
Your annual base salary. Additional income such as incentives, allowances and bonuses are not included.
Please complete a cancellation form by clicking on the link below.
As long as you remain an eligible employee of the DHB, and you pay your premiums, your insurance will continue until the first of the following happens:
- You leave your employment (continuation options will be available, subject to certain age and occupation constraints), whilst a member of the plan.
- Your 65th birthday (for Income Protection & Trauma Insurance), whilst a member of the plan.
- Your 70th birthday (for Life Insurance), whilst a member of the plan.
- The group plan is discontinued.
The following cover(s) would cease in the event of a claim being paid:
- Life/terminal illness
- Trauma
If your wage deductions cease and you have not taken up a continuation option the cover will cease 45 days after the date your last wage deduction was made.
It is your responsibility to notify Mercer Marsh Benefits if you leave the DHB and wish to avail of the continuation option.
Prior to going on unpaid leave (LWOP), please notify Mercer Marsh Benefits as the insurer requires the premium (for the duration that you are on unpaid leave) to be paid in advance of your leave.
Terms and conditions apply, please refer to the Plan policy documents for further information.
It is your responsibility to notify Mercer Marsh Benefits if you are going on unpaid leave.
Failure to notify Mercer Marsh Benefits may put your cover under the plan at risk.
The Plan has a special provision to ensure your existing cover under the plan continues while you move from one employing DHB to another and the transfer of the premium deduction is processed. The cover is only transferable if the DHB you are moving to has the voluntary group insurance plan installed.
In some instances, Mercer Marsh Benefits may require approval from the plan insurer.
It is your responsibility to notify Mercer Marsh Benefits in advance of your leaving date or transfer date to another DHB.
If you leave this employer (DHB) after joining the plan you are entitled to a continuation option. If you move to another DHB you may transfer your benefit(s) if the DHB is participating in this plan. If you transfer to another DHB NOT operating the voluntary group insurance plan then the continuation option may be taken.
In some instances Mercer Marsh Benefits may require approval from the plan insurer, prior to transfer.
Continuation options are subject to age and occupation constraints and are only available for a short period time after you cease employment.
It is your responsibility to notify Mercer Marsh Benefits if you leave or transfer to another DHB.
Please contact Mercer Marsh Benefits immediately if you no longer meet the plan eligibility i.e.
- work less than 15 hours per week,
- reached age 70 (life cover) / age 65 (income protection and trauma cover),
- or your employment terms have changed.
Please refer to the policy wording and terms including full eligibility criteria and definitions.
For more information, please contact Mercer Marsh Benefits.
The AMP insurance plan won’t pay a Life Insurance claim if it occurs within 13 months of the person insured policy commenced date (this also applies to any amounts of increased cover), if it was caused by:
- Suicide or attempted suicide
- A Sickness or Injury caused by the insured person on purpose
The AMP insurance plan doesn't pay income protection claims if a person insured's Total Disablement or Partial Disablement was caused by:
- pregnancy, childbirth or miscarriage - if they are uncomplicated;
- intentional self-injury, intentionally contracted infection or attempted suicide;
- participation in criminal acts;
- any act of war, whether war is declared or not; or
- the person insured's service in the armed services of any country or international organisation.
Please refer to the plan policy documents for further information.
Please refer to the Plan policy documents to obtain the annual renewal date for your DHB voluntary group insurance plan.
If you have existing cover with another insurer there are a number of factors to consider before cancelling any existing insurance.
There are advantages, as well as disadvantages, when replacing an existing insurance policy
Be cautious about changing insurance if your decision is based only on premium – policy wording and terms and conditions are important.
The AMP insurance plan doesn't pay claims based on suicide in the first 13 months of membership for life insurance cover. Income Protection has a full suicide exclusion.
Your existing policy may be older than 13 months, and thus could provide insurance for suicide.
The conditions or benefits offered under your existing insurance may be more (or less) favourable than those under the AMP insurance plan. For example, the policy wording, duration or benefits covered may differ.
In the event of a claim, or potential claim, please contact Mercer Marsh Benefits.
If a person dies without making a Will, he or she is said to have died "intestate".
When there is no Will, the deceased person´s property is distributed according to rules laid down in the Administration Act 1969. This may mean that property (including your insurance benefit) might be distributed in ways other than you may intend, and also be subject to increased processing delays.
Contact your solicitor or Citizen's Advice for further information on the best option for you.
No. The DHB is only a facilitator, and has utilised its broker Mercer Marsh Benefits to negotiate a plan that has unique advantages for preferential entry and competitive premiums.
Employees are free to choose options and decide for themselves if they wish to participate in the Plan.
Yes. Mercer Marsh Benefits administers many plans where group master policies are used to provide beneficial terms to a group of employees.
The Plan is governed by master group policies, and each policy represents the legal basis for the insurance. When you join you become a member of the group policy and agree to become insured under the terms of that policy. Marsh Limited is the nominal owner of the policies.
You should read the policy documents for specific terms and conditions. If you have any additional questions about the policy benefits you should contact Mercer Marsh Benefits.
Yes. Copies of the insurance policy documents are available for download.