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...Zurich group personal accident and illness insurance product disclosure statement preparation date january effective february contents about our sickness how to apply for this contract with you words special meaning an insured person significant issues consider duty of cooling off period we calculate your premium make a claim privacy general code practice financial claims scheme complaints disputes resolution process headings updating pds benefits cover available policy wording definitions limit liability table part accidental death capital b weekly injury c d resulting in surgery e f fractured bones g loss teeth or dental procedures extensions additional coverage conditions exclusions provisions pcus v zu page the insurer is australian limited zail abn afs licence number document may also be expressed as us leading multi line that serves its customers global local markets provides wide range life products services more than countries territories s include individuals small businesses ...