Built-in Benefits

These benefits are automatically included in your SmartLiving policy. So no matter what other protection options you chose, your policy will have these benefits as standard.

SmartLiving Benefit
If you suffer from one of the following medical conditions or undergo any of the following procedures and you survive at least 14 days from the date of diagnosis or surgery, you will receive a lump sum payment. You can choose how many conditions and procedures you wish to be covered for by taking either a SmartLiving Value or Deluxe policy.

SmartLiving Value

SmartLiving Deluxe

Cancer* Chronic Kidney (renal) failure* Coronary artery angioplasty – triple vessel* Coronary artery bypass surgery* Heart attack* Heart surgery (open)* Major organ transplant* Stroke (resulting in functional loss)* Repair or replacement of aorta* Repair or replacement of valves* Paralysis

Cancer* Chronic Kidney (renal) failure* Coronary artery angioplasty – triple vessel* Coronary artery bypass surgery* Heart attack* Heart surgery (open)* Major organ transplant* Stroke (resulting in functional loss)* Repair or replacement of aorta* Repair or replacement of valves* Paralysis Aplastic anaemia Blindness Cardiomyopathy Chronic liver failure Chronic lung failure Creutzfeldt-Jakob Disease Coma Deafness Dementia Encephalitis HIV – medically acquired HIV – occupationally acquired Intensive care Intracranial brain tumour Loss of speech Major head trauma Meningitis Motor Neurone Disease Multiple Sclerosis Muscular dystrophy Out of hospital cardiac arrest Parkinson’s Disease Pulmonary hypertension Severe burns Total and Permanent Disablement

Partial SmartLiving Benefit

Recoverable Stroke Benefit

Funeral Benefit

Future Cover

Inflation Adjustment Benefit

$1,500 Financial Planning Benefit

Grief Support Benefit

SmartLiving Increase Benefit

Guarantee of Upgrade

Guarantee of Renewal

Optional Benefits


Early Stage Cancer Option
Asteron's Early Stage Cancer Option is designed to provide additional cover for lower levels of cancers. While these cancers are still serious, they tend to be treatable and non-life threatening in the early stages. By selecting this optional benefit you are providing yourself with a more comprehensive level of trauma cover.

The following types of Early Stage Cancer are covered:

• Breast
• Cervix (Uteri and Uterus)
• Chronic lymphocytic leukemia
• Fallopian Tube
• Melanoma
• Ovary
• Prostate
• Vagina
• Vulva