Accident & Sickness Insurance
Stay Protected When Life Takes an Unexpected Turn
Accidents and illnesses can happen without warning—and when they do, your ability to earn an income can disappear overnight. Accident & Sickness Insurance gives you fast, flexible financial support when you need it most, so you can focus on recovering—not worrying about bills.
Whether you're self-employed, a contractor, or simply someone who can't afford long periods without income, this cover provides peace of mind and protection when life gets unpredictable.
Why Choose Accident & Sickness Insurance?
Faster Benefits Than Traditional Income Protection
Many policies offer shorter waiting periods, meaning payments can start sooner—helping you stay financially stable right from the early stages of your recovery.
No Strict Upper Age Limits
Unlike Income Protection, which often stops at specific age cut-offs, Accident & Sickness cover is typically available to a wider age range—making it ideal for mature workers, contractors, or business owners who still need income protection later in life.
Flexible, Straightforward Cover
Choose the benefit levels that suit your lifestyle, financial commitments, and work situation.
What the Cover Can Include
Weekly Income Replacement
Receive ongoing payments if injury or illness stops you from working—helping you stay on top of rent, mortgages, bills, and everyday expenses.
Accidental Injury Benefits
Lump-sum payouts for specific injuries such as fractures, burns, or permanent disabilities.
Sickness Benefits
Financial support if a non-work-related illness leaves you unable to work for a period of time.
Medical & Rehabilitation Costs
Optional cover to help pay for specialist care, treatment, or rehabilitation required after an accident.
Accidental Death & Disablement
A lump-sum benefit for you or your family in the event of accidental death or permanent disablement.
Perfect For:
Self-employed workers & contractors
Tradespeople and labourers
Consultants and professionals
People with mortgages, loans, or dependants
Anyone who wants fast, accessible income support
Mature workers who may no longer qualify for Income Protection
Protect Your Income. Protect Your Lifestyle.
Your ability to work is one of your most valuable assets. With Accident & Sickness Insurance, you’re protected from the financial impact of injuries and illnesses—no matter when they occur.
With faster payouts, broader age eligibility, and flexible benefit options, this cover is a practical and accessible solution for anyone who wants to stay financially secure during life’s unexpected setbacks.