Income replacement
An injury can mean you’re unable to work safely, a Personal Accident policy can provide benefits to help cover your income while you recover. Your income is vital to pay for any potential medical costs aiding your recovery, plus ensuring you have regular income to support day-to-day living expenses.
Disability benefits
Personal Accident policies can give you cover for both temporary and permanent disability resulting from an accident. Helping you adapt to potential life changes caused through a loss of function.
Rehabilitation benefit
Policies can often cover additional expenses required for rehabilitation and therapy to aid your return to work. Helping ensure you have a strong chance of resuming your trade after an injury.
Pre-Existing conditions
Typically a Personal Accident policy will not cover an injury from a pre-existing condition. It is designed primarily for new or accidental injury and not ongoing health issues.
Intentional harm
Coverage of a Personal Accident policy is designed for unexpected accidents, the policy will not cover illnesses, non-accidental or self-inflicted injury.
Intoxication or under the influence
An injury sustained while under the influence of alcohol or illegal substances will not be covered by this policy.