D-06Specialist
Group Personal Accident & Illnessinsurance.
Income protection for people workers compensation may not reach.
01 · The exposure
Some of your most important people are not employees.
Group personal accident and illness insurance can provide weekly benefits and lump sums following accidental injury or illness. It is often arranged for business owners, contractors, volunteers and directors who may fall outside workers compensation, or to top up statutory benefits.
02Scope
What this covercan respond to.
A general guide. What a particular policy covers depends on its wording, limits, conditions and exclusions, and on what is declared to the insurer.
- 01Weekly benefits following accident or illness, subject to the policy
- 02Lump sum benefits for specified injuries
- 03Cover for working proprietors, contractors and volunteers
03What we look at
Where the detailmatters.
Who is covered, and when
Policies can be 24-hour or work-only. Confirm the definition of insured persons matches the people you intend to protect.
04 · Before we talk
Questions yourbroker will ask.
Having these answers to hand makes the first conversation faster and the submission to insurers stronger.
- Who needs cover: owners, contractors, volunteers or employees?
- What income would need to be replaced?
05 · Questions
Frequently asked.
Is this a replacement for workers compensation?
No. Where workers compensation is compulsory it must be held. Personal accident cover can sit alongside it for people it does not reach.
Talk group personal accident & illnessthrough with a broker.
A short conversation is usually the fastest way to know where you stand. No obligation, and no form required if you would rather call.
Or call 1300 513 652, answered 24/7