Insurance

We're your safety net in more ways than one. Incolink provides building and construction workers an extensive list of insurance benefits.

Insurance Claims

Making an insurance claim is as simple as:

  1. Downloading the relevant claim form from the Total Claims Solutions website
  2. Completing the claim form and preparing other relevant documents
  3. Sending it to Total Claims Solutions

Your claim will be assigned to a Claims Manager who will be in touch with you.

Total Claims Solutions are a leading specialist case management organisation that's been managing Incolink insurance programs for more than 19 years.

All insurance inquiries can be made to Total Claims Solutions.

Total Claims Solutions
Level 1, 151 Rathdowne Street
CARLTON VIC 3053
Telephone: (03) 9663 2411

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For more assistance with Insurance Claims, visit our Help Centre.

Accident Leisure Time Insurance (Vic)

If you are an on-site worker in Victoria and your employer is paying redundancy contributions on your behalf, you are automatically covered for Personal Accident Leisure Time Insurance under the Building & Construction Industry Accident and Illness Benefits Program. This covers Leisure Time Accident Insurance, Funeral Cover and Discretionary Covers including emergency transport and accidental dental.

These benefits are available to workers as long as redundancy contributions/levy payments are up to date at the time of the event.

Apprentices also have access to this program as long as apprentice days are recorded and current at the time of the event.

Download the brochure below for full details of the program benefits.

Income Protection & Trauma (IPT) Insurance (Vic)

Victorian workers who receive Income Protection and Trauma (IPT) contributions from their employer are eligible for Incolink’s IPT benefits program. This insurance program includes cover for Leisure Time Illness, TAC Top-Up, Workers’ Compensation Top-Up and Workplace Death & Capital Benefits.

Ask your employer if you are covered by this program.

Download the brochure below for full details of the program benefits.

Tasmania Leisure Time Accident Insurance

If you are an on-site worker in Tasmania and your employer is paying redundancy contributions on your behalf, you are automatically covered under the Leisure Time Accident Benefits program - Tasmania. This program includes Leisure Time Accident Insurance (weekly benefits, capital benefits, broken bones and bill payer), Journey Cover, Funeral Cover and Accidental Dental.

Tasmanian apprentices also have access to this program as long as apprentice days are recorded and current at the time of the event.

Download the brochure below for full details of the program benefits.

Tasmania Illness Insurance

Tasmanian workers who also receive Illness Insurance contributions, have access to the Illness Benefits Program - Tasmania. This program includes Leisure Time Illness cover as well as Bill Payer benefits.

Tasmanian apprentices also have access to this program as long as their employer pays Illness Insurance contributions on their behalf.

Ask your employer if you are covered by this program.

Download the brochure for full details of the program benefits.

Portable Sick Leave Insurance (PSLi)

If your employer pays the Portable Sick Leave Insurance (PSLi) levy, your unpaid sick leave may come with you when you change jobs. Your employer will specify the number of sick days taken during the your employment.

All sick leave days available under your Employment Award/Agreement must be taken before being eligible to claim any portable sick leave accrued.

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Cover is only available when contributions by your employer are current at the time of the event. Gaps in payments will mean no cover. Where back payments have been made and a claim is submitted, the claim will not be considered.

Health Insurance - Powered by BUPA

Corporate cover to suit your needs

Nothing is more important to us than providing our members with quality health cover. That’s why we’ve designed a unique, corporate health insurance plan with BUPA, to ensure you get the most from your health & care partner.

  • If you need hospitalisation, the excess will be paid on your behalf on selected covers.*
  • We will cover the cost of your kids on most dental, physio, chiro, podiatry consultations, and selected optical packages at Members First providers, up to yearly limits.**
  • No waiting periods for services you were covered for with your previous health insurer^
  • Access our Health Management program for practical support and subsidised health programs to help improve a health condition, including Nicotine Replacement Therapy, Weight Management programs and Health subscriptions to Diabetes Australia and Asthma Foundation.#
  • Complimentary access to ‘After Hours Plus’ from National Home Doctor Service. This means when you book an after hours, bulk-billed doctor home visit, the doctor may prescribe common medications, on the spot, at no charge to you. For more information and coverage areas visit bupa.com.au/afterhoursplus
  • A 2% discount on your health cover+

Click here to get an instant quote.

*On Top Hospital $250 Excess, Standard Hospital $250 Excess, Budget Hospital $250 Excess, Established Family $250 Excess, Growing Family $250 Excess, Budget Family $250 Excess and Prime Plus $250 Excess. An excess may be payable on other covers.
**For most items covering dental, physio, chiro, podiatry consultations and selected optical packages. Available on our family packages, Ultimate Health Cover, Silver, Gold & Platinum Extras when taken with hospital cover on a family membership. Fund and policy rules and waiting periods apply. Child dependents only. Excludes orthodontics and hospital treatments. Set benefits apply at other recognised providers.
^Applicable if you transfer within 60 days of leaving your previous health insurer and upon receipt of your Clearance Certificate. Waiting periods may apply for
benefits or services not fully covered with your previous health cover.
#Waiting periods, fund and policy rules apply.
+Discount is reviewed periodically by Bupa and your Company and is subject to change. Must pay by direct debit or payroll deduction (if available). Bupa HI Pty Ltd ABN 81 000 057 590.