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An insurance contract with the insurer, provided to the policy owner.

Policy Owner

Owner of an insurance policy.


A monthly, quarterly, or annual fee paid to the insurer and used to keep your insurance policy in force (current).

Premium Waiver

In certain circumstances an insurer may waive future premium payments whilst a claim is being paid.

Product Disclosure Statement (PDS)

The law requires insurers to include all the terms and conditions of the insurance product in a single document, known as the Product Disclosure Statement (PDS). Please ensure that you read this document carefully before buying insurance.

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