Australian Seniors
Australian Seniors
Australian Seniors are the over 50s insurance specialists, providing peace of mind for Australian seniors with a range of award-winning insurance solutions. With Australian Seniors you can spend more time enjoying life, and less time worrying about what your family will do if something happens to you.
Life is unpredictable, but you can be prepared with Australian Seniors. They're committed to providing outstanding, quality insurance for seniors whether they’re working, pensioners, or self-funded retirees.
Insurance products
Seniors Funeral Insurance
- Australian residents aged 40-79 are guaranteed acceptance
- Quick payout to your family usually paid within 1 business day of receiving completed documents
- Your chosen benefit is paid in the event of your death which is from $3,000 up to $15,000 (cover for accidental death and accidental serious injury only in the first 12 months)
- No forms, medical exam, or blood tests required
- Triple benefit paid for accidental death, up to $45,000
- Automatic cover for accidental serious injury at no extra cost¹
- Your premiums won’t increase each year²
- No premiums payable after age 85
- From age 85, you can choose to cancel your policy and receive the early cash out option to get 75% of your cover amount OR keep your policy in place to get an added 25% bonus cover at no extra cost, when you pass or reach age 100³
- Free will kit with your policy, to help get your affairs in order
- 30-day cooling off period
- Free ongoing subscription to DARE magazine for all active policies
Seniors Life Insurance
- Australian residents aged 45-79 can apply for cover
- Easy application process, with just 8 health questions to answer
- Choose a level of cover best suited to your needs, from $10,000 to $200,000
- Cover for death due to any cause4 or diagnosis of a terminal illness5
- Cover for when you need it most, from the acceptance date until the policy expiration on the life insured’s 85th birthday
- 20% advance payout to cover funeral costs, so your loved ones won’t have to worry about the cost of your funeral or other immediate expenses (subject to approval)
- Triple benefit paid for accidental death, up to $600,000
- Single or joint policies available
- 30-day cooling off period
- Free ongoing subscription to DARE magazine for all active policies
Seniors Health Insurance
- Extras designed for the needs of Australians over 50, with practical benefits that matter
- Apply online or over the phone in minutes
- Emergency Ambulance cover included (1-day waiting period applies)6
- Claim up to 70% back on Extras7 from recognised providers, depending on your level of cover
- No-gap optical offers through the First Choice Provider Network8
- 100% back on preventative dental check-ups9
- Simple, stress-free online claims process
- Choose your level of hospital excess – $500 or $75010
Some things you should know:
Gold hospital cover is not available through Choosi.
Seniors Pet Insurance
- Claim up to 80% on the cost of eligible vet bills, up to $12,000 per year11
- Choose from three levels of cover to ensure the right protection for your pet’s needs
- Cover for home visits included at no extra cost
- 10% discount for over 50s
- Free ongoing digital issues of DARE magazine for all active policies
- Accidental serious injury cover expires on the policy anniversary after your 75ᵗʰ birthday.
- The premiums may change if you make changes to your policy or if the underlying premium rates are changed for all policy holders.
- There’s no refund of premiums after the cooling off period. The total amount of premiums payable over the life of the policy has the potential to exceed the cover amount. If you choose the early cash payout option, you’ll no longer be eligible to claim as this option will cancel your policy.
- Excludes cover for death or terminal illness as a result of a self-inflicted injury in the first 13 months.
- Terminal Illness with a diagnosis of 24 months or less to live.
- Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under State ambulance schemes in TAS and when travelling in mainland Australia except NSW, SA or QLD; or (iii) pension and health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure).
- Annual limits, waiting periods and T&Cs apply. Benefits are only paid for services from nib recognised providers. A recognised provider is someone who provides a health service, like a dentist, optometrist, remedial massage therapist or physiotherapist who meet the following criteria: (i) They must work in a private practice; and (ii) They must have professional qualifications recognised by nib. To find a provider in nib’s network of healthcare professionals nib.com.au/find-a-provider
- Claiming optical benefits is subject to your chosen level of Extras cover, relevant waiting periods being served, and sufficient annual limits remaining. Benefits only payable on prescription Optical Appliances. nib Fund Rules and Policy Booklet terms apply.
- Dental benefits are subject to Fund Rules, waiting periods and annual/service limits. A dental check-up includes an examination/consultation (011-015), diagnostics (022, 037), scale and clean (114, 115), plaque removal (111), and fluoride treatment (121) as deemed necessary by the dentist (excludes dentures). The No Gap offer applies only to No Gap First Choice providers, cannot be combined with other offers/government schemes, and is not redeemable for cash.
- Coverage depends on level of cover, policy exclusions, waiting periods, hospital excess and limits. Out-of-pocket expenses may apply.
- Exclusions, benefit limits, and sub-limits apply. An annual condition limit applies to some policies. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.