Journey Accident Insurance

Protecting your income

Workers Compensation laws means that the drive to and from work is not covered by the employer – so any injury sustained in a journey to or from work is not considered a workplace injury. Unless you have insurance, you may end up without an income.

Both ANMF (SA Branch) financial working category members and student members are covered!

What is covered?

Working category members*:

  • Direct travel between home and work (for the purpose of work) including a deviation to attend an educational institution to undertake study relevant to their occupation, dropping off children at school or childcare and picking them up, or an authorised meal break and within a radius of 5 kilometres from their place of work.

Student members*:

  • Direct travel between the home and their normal educational institute (including any work experience placement) for the purpose of starting and ending tertiary education; and includes a deviation to attend another educational institution or library to undertake study relevant to the insured person’s course or dropping off their children at school or childcare and picking them up.


Australian Nursing and Midwifery Federation (SA Branch) Journey Accident Insurance – Policy Details

Policy Period 30th June 2023 – 2024

Insured Persons

Category – 1. All fully paid-up financial members and nominated Employees of the Policy Holder
Category – 2. Student members of the Policy Holder

Scope of Cover

Cover under the Policy applies whilst a Covered Person is on a Journey. Journey means a trip undertaken by a Covered Person in the course of their employment with the Policyholder. Cover shall commence from the time the Covered Person leaves their normal place of residence and Travel Directly to their normal place of employment. Cover ceases upon arrival at place of normal employment. Cover will re-commence for the return Journey from the Covered Persons normal place of employment to Travel Directly to their normal place of residence and shall cease upon arrival at normal place of residence. 

A Journey also extends to include cover for activities undertaken during lunchtimes and meal breaks. 

Travel Directly means travel to and from the Covered Persons normal place of residence or normal place of employment and shall include any minor deviations or interruptions which in no way increase the risk of Bodily Injury that would have normally arisen had the person travelled directly without deviation or interruption. Cover under the policy shall also include drop off or pick up of their children at school or childcare.  
  Personal Accident
  Part A - Lump Sum Benefits

  Event 1 - Accidental death
  Events 2 - 9 
  Event 1 - Accidental death in respect of Category 2 Insured Persons without Dependent Children shall be limited to    $100,000
  Part B - Weekly Benefits   85% of Weekly Salary up to $2,000 for a maximum        period of 52 weeks   
  Excess Period - 28 Days

Additional Benefits 


Additional Benefits

Maximum Cover up to:


HOME / CAR RENOVATION EXPENSES  Up to $10,000 (80% of cost)




BROKEN BONES BENEFIT  Category 1: $5,000
Category 2: $2,000 




   DENTAL BENEFITS: INJURY (Category 1 & 2)        Maximum of $2,000  
  Aggregate Limit  

  Age limitation Over 75 and less than 80. Lump sum benefits limited to     $50,000 
  Weekly Benefits   12 Weeks  
  Benefit Period
  Up to 70   52 Weeks
  71 - 75   26 Weeks
  76 - 80   12 Weeks

The information above is only a summary of the cover. Please contact the ANMF (SA Branch) for more information.

* Weekly Benefits – Injury (Income Earners): 85% of earnings or $2,000 per week, whichever is the lesser. Excess period is 28 days.
Capital benefit – up to $100,000. Benefit period varies by age. Maximum age 80 years (inclusive).