Insurance

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An intervention by ASIC over poor telephone sales practices, has left OnePath with a $35 million bill. 

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OnePath is facing remediation costs of up to $35 million after it misled 40,000 customers through its life insurance business.

The move comes after an intervention by ASIC, who alleged that “extensive” consumer harm resulted from the tactics used by OnePath’s sales team, including pressure selling, failing to provide consumers with key information about the policy they were sold and outright misleading customers by tell them that salespeople were affiliated with ANZ Bank.

In response to ASIC’s concerns about its sales practices, OnePath agreed to refund premiums with interest to consumers who purchased a life insurance policy from them and to review prior claims and complaints made about its practices.

OnePath also said they would waive certain conditions for affected customers who still hold an active policy.

The remediation program is expected to conclude in December 2021.

ASIC Deputy Chair Karen Chester said that “for over three years now, ASIC has pursued enforcement, regulatory and remediation action to tackle misconduct and stem consumer harm in the direct life insurance market.”

She said that through court action, disruption and improvement in sales practices, ASIC has delivered compensation to tens of thousands of consumers who have suffered harm and deterred bad actors in the financial sector. 

However, according to Ms Chester, “it’s really disappointing that despite OnePath offering refunds to around 26,000 consumers, less than one in two consumers (only 41 per cent) have banked their cheque or arranged with OnePath for their refund to be paid into their bank account.”

“If you are a OnePath or ANZ insurance customer who has been contacted by OnePath about a refund, please respond to OnePath to arrange payment of your refund. You can also call OnePath on 1800 290 572 if you are unsure of what to do or want to check this is not a scam’ said Ms Chester.

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An intervention by ASIC over poor telephone sales practices, has left OnePath with a $35 million bill. 

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More and more Australians are facing extreme weather events, but the infrastructure designed to handle the aftermath isn’t keeping up with demand.

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The Financial Rights Legal Centre is calling for the government to step in, as the disaster insurance sector struggles to keep up with a rise in activity.

According to a new report into the aftermath of extreme weather events like the Black Summer bushfires and Cyclone Seroja, urgent funding is needed to ensure affected Australians are able to get legal assistance when they need it most.

Financial Rights Legal Centre CEO Karen Cox said the rise in extreme weather events seen in recent years has also led to a rise in disputes between insurers and their customers. 

“When catastrophe strikes, people need help on a number of fronts, including dealing with their insurer. In this fraught and traumatic environment, disputes are inevitable,” she said.

Unfortunately, at the same time as demand is rising for the Financial Rights Legal Centre’s Insurance Law Service helpline, Ms Cox said the organisation has had to cut hours to due to a lack of funding.

“An inability to access free, specialised legal advice to help resolve insurance problems could put the welfare and livelihoods of thousands of people around Australia at risk and end up costing communities and the government a lot more in the long run,” she said.

The report lays out several approaches to addressing these underlying issues, ranging from targeted subsidies that allow residents in high-risk areas to afford the insurance premiums that mitigate their level of climate risk to recommending that ASIC take a more proactive posture with its oversight powers.

Ms Cox also called on insurers to be better at assisting people and base cash settlement offers on the likely cost to the customer rather than the insurer.

“With extreme weather events increasing in both frequency and intensity due to climate change, national leadership is required to address these pressing issues.”

“Many people are being left behind by rising insurance premiums in the face of increasing climate-related risk,” she said.

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Yes

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More and more Australians are facing extreme weather events, but the infrastructure designed to handle the aftermath isn’t keeping up with demand.

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A health fund is returning millions in claims to its members, with banned surgeries during the COVID-19 pandemic seeing bumper profits for the health insurance sector.

" ["fulltext"]=> string(2831) "

Health fund HBF will give its members cash payments of up to $140 in July, returning funds that were not paid out for services due to the pandemic.

The cashback comes on top of the fund’s decision to impose a zero increase in premiums from 1 April.

To be eligible, members must have held a hospital and/or extras policy during 25 March 2020 and 30 June 2020.

Approximately 470,000 policies are eligible, with payments ranging from $20 per policy (for a single with Extras only cover) up to $140 per policy (for a family with both Hospital and Extras cover).

The payout will cost the fund $42 million in total paybacks.

It’s a move CEO John Van Der Wielen said aligned with the true person of the fund, which was to benefit members.

“That is why HBF was the first and only major fund to fully cancel its 2020 premium increase, saving our members $37 million, why we implemented hardship support measures for our members, and why we also pledged that members would be the beneficiaries of any surplus funds arising from the COVID-19 pandemic,” he explained to members.

The $42 million payment is the remaining balance of a $94.3 million deferred claims provision that was detailed in HBF’s financial accounts for the 2020 financial year.

The provision was an estimate of claims for elective surgery procedures and ancillary services that members could not access while COVID-19 control measures were in place from 25 March 2020 to 30 June 2020 but were expected to be made at a later date.

Of the $94.3 million:

• Approximately $37 million has been paid in claims
• Approximately $15 million has been held over to cover claims still likely to be paid
• Approximately $42 million surplus funds will be paid to members in July/August.

Consumer group CHOICE welcomed HBF returning members’ money but questioned why other funds were unable to do the same thing.

“If HBF can return $42 million to its members, there’s no excuse for Australia’s other health insurance funds to keep hoarding the money of Australians,” CHOICE’s health campaigner Dean Price said.

Mr Price highlighted that this is the kind of transparency we need from this industry. The community is still recovering from the economic impact of COVID-19 and no business, let alone businesses we rely on for our health and wellbeing, should be using the COVID-19 to boost their bottom lines.

“HBF have done the right thing by their members. Australia’s health insurers, it’s time for you to return what you didn’t earn. Big funds like Medibank, Bupa and NIB need to put the community first and be transparent with their customers and the community,” he concluded.

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Yes

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A health fund is returning millions in claims to its members, with banned surgeries during the COVID-19 pandemic seeing bumper profits for the health insurance sector.

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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(63) "/invest-money/insurance/covid-19-payday-for-health-fund-members" ["image"]=> string(37) "images/article-826x550/surgery-ne.jpg" ["image_alt"]=> string(39) "COVID-19 payday for health fund members" } [3]=> object(stdClass)#7543 (56) { ["id"]=> string(5) "16625" ["title"]=> string(52) "Is it time for a National Climate Compensation Fund?" ["alias"]=> string(51) "is-it-time-for-a-national-climate-compensation-fund" ["introtext"]=> string(233) "

With the cost of climate change currently weighing down consumers, a think tank has urged the government to pass the bill from everyday Australians onto large fossil fuel companies. 

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The Australian Institute is pushing the government to create a National Climate Compensation Fund and force the large pollutants, including the fossil fuel industry, to contribute by way of a levy on fossil fuel exports. 

A report released late last year by Deloitte found that Australia’s economy will be 6 per cent smaller, there will be 880,000 fewer jobs, and $3.4 trillion in economic opportunities will be lost, if the climate crisis goes unchecked for the next 50 years.

A separate study released by the NSW Treasury found that climate change risk is going to cost the state over $10 billion annually over the next decade. 

With the large costs associated with climate change, The Australian Institute said the National Climate Compensation Fund, which is expected to raise $5 billion annually, would cover the costs of changing working patterns and emergency responses to disasters. 

These funds would also assist farmers, tourism operators, local government and others at the frontline of these impacts.

By pinning the levy on exports, the institute said it would have no impact on energy prices in Australia and would in fact create 5,000 jobs, including emergency responders, construction jobs and services to help support industries that have been negatively impacted by severe weather patterns. 

“Just a few global coal, oil and gas companies are responsible for the vast bulk of the emissions fuelling climate disasters like fire, floods and heatwaves,” said Mark Ogge, principal adviser at The Australia Institute.

“Without a levy on these companies, NSW households and businesses will have to foot the bill, while the global coal giants get off scot-free.”

The Australian Institute pointed out that many fossil fuel exporters operate in NSW, yet contribute nothing to the costs of climate disasters, while the majority pay little to no tax.

“Someone has to pay for these costs. At the moment, the costs are paid entirely by ordinary NSW households and businesses through property loss, disruption, higher taxes, rates and insurance premiums,” Mr Ogge concluded.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-04-14 01:39:57" ["slug"]=> string(57) "16625:is-it-time-for-a-national-climate-compensation-fund" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(13) "311:insurance" ["event"]=> object(stdClass)#7889 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(129) "

Yes

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With the cost of climate change currently weighing down consumers, a think tank has urged the government to pass the bill from everyday Australians onto large fossil fuel companies. 

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Outdated mental health stigmas are seeing young Australians being denied access to health coverage, new research has revealed.

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Findings of a new report by the federal government’s Productivity Commission into mental health were "shocking and horrifying", with widespread failures extending beyond Australia’s health system, according to presiding commissioner Dr Stephen King.

In a 1,250 page report for the Productivity Commission, Dr King, an adjunct professor at Monash University, pointed out how insurers used outdated attitudes to mental health to deny people coverage.

“If you go for, say, income protection insurance and you mention that you’ve seen a psychologist at any stage in your life – you could be 60 and you saw the psychologist when you were 20 – you’ll, in general, be refused that insurance,” he said.

“If you go for travel insurance, again, they’re asking questions which relate to issues that can no longer be relevant for your health, but are normal in considering mental health.”

Dr King’s report highlighted how people with mild anxiety or mild depression are over-reliant on medication, sometimes leading to tragic consequences.

“There is some evidence suggesting we should be concerned about our level of prescribing mental health medication in Australia,” he explained. 

Dr King admitted he had misunderstood aspects of the issue before embarking on the report.

“It has been a very challenging inquiry. It’s been quite confronting. Understanding my own ignorance that I went into this inquiry with has been part of a personal journey, and I think all of the inquiry team had a similar experience,” he said.

Not only are Australians being denied access to healthcare, it is having a large impact on the overall Australian economy. 

The report found that one in five Australians experienced mental ill-health in any year, with the annual cost of treatment, suicide and underperformance of the mentally ill as much as $180 billion.

It outlined more than 100 actions to transform the Australian mental health system and reduce the risk of youth mental ill-health through early intervention strategies. 

“It’s not just the health system, it is the broader system, which includes community, sports, housing, education and so on. The failures going on across the system to deal with mental health were quite shocking,” Dr King told Thought Capital.

“Almost any adjectives I come up with are going to understate the problem. There is an incredible stigma problem with mental illness in Australia. People will hide mental illness. They’ll hide it for social reasons. They fear discrimination. They fear not just social, but also economic discrimination, for good reason,” Dr King concluded.

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Outdated mental health stigmas are seeing young Australians being denied access to health coverage, new research has revealed.

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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(97) "/invest-money/insurance/shocking-and-horrifying-outdated-stigmas-deny-aussies-access-to-insurance" ["image"]=> string(47) "images/article-826x550/annoyed-man-phone-ne.jpg" ["image_alt"]=> string(32) "deny Aussies access to insurance" } [5]=> object(stdClass)#7545 (56) { ["id"]=> string(5) "16113" ["title"]=> string(63) "440,000 Australians now eligible for ANZ insurance class action" ["alias"]=> string(63) "440-000-australians-now-eligible-for-anz-insurance-class-action" ["introtext"]=> string(224) "

More than 440,000 Australians have received notice from the Federal Court advising that they may be eligible to be part of Slater and Gordon’s consumer credit class action against ANZ and insurers OnePath and QBE.

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Slater and Gordon is representing hundreds of thousands of ANZ customers who were sold “junk” credit card and personal loan insurance that was of little or no value, and that many customers would never have been eligible to claim against.

“Today’s mail-out to hundreds of thousands of people will bring the total number of court-ordered notices in the Get Your Insurance Back campaign to more than 1.2 million people across Australia,” Slater and Gordon practice group leader Andrew Paull said.

The insurance was often sold to people with disabilities, people who were unemployed or people who were chronically ill and therefore likely ineligible to claim. The class action alleges that many people were led to believe that the insurance was compulsory or free, while others didn’t even know they had been sold it.

The class action is one of four class actions in the #GetYourInsuranceBack campaign. It was filed in the Federal Court in February 2020 along with another targeting Westpac. The class action filed in June against Commonwealth Bank rounds up the campaign, alleging the big four bank sold its customers “junk” credit card and personal loan insurance.

The Federal Court previously also notified 368,000 Australians who may be eligible to join Slater’s class action targeting Westpac.

Mr Paull had said he hoped the class action would help the customers get their money back, while keeping corporate giants honest.

“For too long, banks have abused their power by selling junk insurance products, adding thousands to customers credit card bills or personal loan repayments while providing little or no benefits,” he said.

“This is reprehensible behaviour by the bank, which has chosen to compensate only a negligible portion of its customers, despite their admission that they knew the insurance was worthless.”

It comes as Slater and Gordon settled a similar class action in late 2019 that also alleged NAB customers had been mis-sold personal loan and credit card insurance, which saw 50,000 NAB customers compensated $49.5 million.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2020-12-07 01:27:47" ["slug"]=> string(69) "16113:440-000-australians-now-eligible-for-anz-insurance-class-action" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(13) "311:insurance" ["event"]=> object(stdClass)#7911 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(129) "

Yes

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More than 440,000 Australians have received notice from the Federal Court advising that they may be eligible to be part of Slater and Gordon’s consumer credit class action against ANZ and insurers OnePath and QBE.

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["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7667 (3) { ["data":protected]=> object(stdClass)#7670 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7669 (3) { ["data":protected]=> object(stdClass)#7672 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#7903 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7671 (3) { ["data":protected]=> object(stdClass)#7674 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7673 (3) { ["data":protected]=> object(stdClass)#7676 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#7907 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7675 (3) { ["data":protected]=> object(stdClass)#7678 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7677 (3) { ["data":protected]=> object(stdClass)#7680 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#7898 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7679 (3) { ["data":protected]=> object(stdClass)#7682 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7681 (3) { ["data":protected]=> object(stdClass)#7684 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#7899 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7683 (3) { ["data":protected]=> object(stdClass)#7689 (1) { ["options"]=> object(stdClass)#7687 (2) { ["options0"]=> object(stdClass)#7686 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#7688 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7685 (3) { ["data":protected]=> object(stdClass)#7691 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#7912 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7690 (3) { ["data":protected]=> object(stdClass)#7693 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7692 (3) { ["data":protected]=> object(stdClass)#7695 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#7913 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7694 (3) { ["data":protected]=> object(stdClass)#7697 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7696 (3) { ["data":protected]=> object(stdClass)#7699 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(87) "/invest-money/insurance/440-000-australians-now-eligible-for-anz-insurance-class-action" ["image"]=> string(37) "images/article-826x550/ANZ-new-ne.jpg" ["image_alt"]=> string(3) "ANZ" } }