When it comes to protecting the livelihood of medical professionals, ClearView recognises that one size does not fit all. There are specific risks that you face on a daily basis that the 
general population may never face.
ClearView LifeSolutions offers a range of cover types that include built-in benefits designed specifically with medical professionals in mind.
Let ClearView help you…while you focus on helping others.
Income protection that is flexible enough to meet your needs
Exposure to blood borne diseases is a risk in your profession. As a medical professional you may be in contact with patients’ blood and bodily fluids on a daily basis, exposing you to blood borne diseases such as Human Immunodeficiency Virus (HIV), Hepatitis B and Hepatitis C.
No matter how careful and effective the preventative measures in place are, we know that accidents like needlestick do happen.
Certainty when it comes to total and partial disability The reality of contracting a blood borne disease in your profession is that although you may be physically capable of performing your occupational duties, you may be prohibited under the professional award from performing invasive medical procedures. In this situation, we would consider you unable to perform the important duties of your own occupation as a result of sickness and eligible for a total or partial disability benefit, as applicable. All other components of total disability and partial disability, as applicable, must also be satisfied.
Medical Professionals Benefit
In addition to any total or partial disability benefit you are receiving, you will be eligible for a lump sum payment of 50 times your monthly benefit up to a maximum of $1 million, if you contract HIV, Hepatitis B or C while performing your regular occupation. This benefit is provided at no extra cost.
Flexibility at claim time
The definition of disability is a core feature of any income protection policy. Some insurers will gauge the extent of disability by looking solely at your ability or inability to perform the important duties of your occupation. Others will look at how many hours per week you can work and some will look at the loss of income you have suffered. The nature of your sickness or injury may determine which definition would give you the best outcome. So to ensure you are not disadvantaged in any way, we have included all three definitions, and give you the choice at time of claim, which definition you wish to be assessed under. Your financial adviser and our claims assessors can help you decide which definition would be best for your particular situation.
No rate penalties for increased occupational risks.
Most other insurers apply a higher premium rate for medical professionals, compared to other white collar professionals, to reflect the increased occupational risks. At ClearView we have elected not to employ such rate penalties, and apply the same premium rate for both of these occupation groups.
Worldwide cover
If you travel overseas for fellowships, special placements or simply a well earned break, know that you are fully covered 24 hours per day, anywhere in the world under all of the covers offered in LifeSolutions.
‘To age 70’ benefit period
People are choosing to work longer, and those in the medical profession are no exception. We offer a choice of benefit periods under our income protection covers which includes age 70. Many income protection policies offer a maximum age 65 benefit period but for those who plan on working longer and do happen to go on claim, the extra five years of benefit may make a big difference to your lifestyle. And unlike other insurers who offer an age 70 benefit period, we will not reduce the monthly benefit payable after age 65 or revert to an indemnity style benefit only, providing certainty when you need it most.
Special consideration if you are new to the medical profession
Newly Qualified Medical Professionals
As a newly qualified medical professional, we appreciate that your current financials may not reflect your earnings potential in the future. So we will allow you to apply for higher levels of cover without the need to provide upfront financials, including guaranteed agreed value income protection.
Benefits under Trauma Cover too
Blood Borne Diseases Benefit
Occupationally Acquired HIV is a specified condition under Trauma Cover and is covered by most trauma contracts in the market. ClearView LifeSolutions goes one step further and will pay the full trauma benefit amount for Occupationally Acquired Hepatitis B and Hepatitis C.