Accident and Sickness
​Insurance Solutions

If you experience an accident or illness that prevents you from earning an income, Personal Sickness and Accident insurance can provide you with a weekly benefit to offset your lost income.
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​This type of insurance is particularly important if you are a sole-trader or contractor and not covered by Workers Compensation insurance.
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​Personal Sickness and Accident Insurance can provide the following protection;

Loss of Income

Provides a percentage of your regular income to help cover living expenses if you're temporarily or permanently unable to work due to illness or injury. This benefit helps maintain financial stability while you recover.
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​Benefit periods of one, two and in some cases, three years can be chosen. Payment of weekly benefits under the policy cease once the end of your nominated benefit period is reached.

Capital Benefits

Capital Benefits Cover provides a lump sum payment in the event of severe injury or illness, such as permanent disability or death.
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​This payment helps to cover medical expenses, rehabilitation costs, and any necessary lifestyle adjustments due to the long-term effects of the injury or illness.
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​It offers financial relief during difficult times, ensuring that you or your family can manage the associated costs and maintain a sense of security despite unforeseen circumstances.

Business Expenses

Business Expense Cover helps protect your business's financial stability if you're unable to work due to an accident or illness.
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​This coverage reimburses essential business expenses, such as employee wages, rent, and utilities, while you focus on recovery. It ensures that your business can continue to operate smoothly and avoid disruptions, allowing you to return to work with minimal long-term financial impact on your operations.