Personal Accident and Sickness Insurance

Haven’t we all felt invincible at times and thought accidents and injuries happen to others and not us. Deep down we all know we can get injured of fall sick! Will you be able to manage your expenses for the time you couldn't work? Personal Accident and Sickness Insurance replaces your income for the time you are unable to work.

What can Personal Accident and Sickness Insurance Cover?

Personal Accident and Sickness Insurance policies compensate the insured person for the loss of income or expenses incurred as a result of an illness or accident. The events that are covered by these policies include:
  • Accidental death
  • Accidental permanent disabling injury
  • Temporary total or temporary partial disablement as a result of accident or sickness

This insurance is really important for Tradies, even more so if not covered by WorkCover. As you can imagine Tradies have a higher chance of sustaining a serious injury compared to an office worker who’s injury is more likely to be like paper cuts.

If you do happen to take a fall at a worksite, getting injured and off work for 6 months, would you be able to sustain the loss of income or the business expenses particularly if you have debts to service. With a small excess in the form of waiting period of 7 to 14 days, you can cover a range of things like:
  • Capital Benefits
  • Loss of Income
  • Medical Benefits etc.

If it sounds complex or you have a burning question, don’t worry, happy to chat or talk.

How much does it cost?

Fortunately, insurers are competing against each other to win your business keeping the prices in check.

We can get multiple Personal Accident and Sickness Insurance quotes on your behalf saving you the time to focus on your work. As this is what we do for a living, we have a good understanding of which insurers offer good product and pricing for particular occupations.

You don’t need to reinvent the wheel, we can sort it out for you and all quotes are free and obligation free.


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