Flexible income protection for injury and illness—designed for self-employed, contractors and professionals across Australia.
Personal Accident & Illness Insurance provides financial protection if you are unable to work due to accidental injury or illness. It helps replace lost income and contributes to medical, rehabilitation and recovery costs during periods of disablement.
This type of policy bridges the gap between personal accident-only cover and full income protection, offering broader protection while remaining flexible and cost-effective.
This insurance is suitable for:
Weekly payments if injury or illness prevents you from working.
Lump sums for accidental death or permanent disablement.
Benefits payable when sickness or disease causes disablement.
Income support during recovery periods.
Lump sums for permanent loss of use, subject to definitions.
Protection applies at work and during personal time.
Protection applies only while performing work duties.
Policies are typically annual, with weekly benefit limits, waiting periods and maximum benefit periods selected at inception. Premiums are influenced by occupation, age and activity risk. These policies are generally quicker and simpler to arrange than traditional income protection.
Covers both injury and illness
Provides income support during unexpected health events
Faster underwriting and claims processes
Fills gaps where Workers’ Compensation does not apply
Ideal for contractors and self-employed workers
Speak with a broker who understands non-standard income needs.
Get My Personal Accident & Illness QuoteImportant: Personal Accident & Illness Insurance is not the same as Income Protection. Benefits are usually capped, benefit periods are shorter, and definitions vary between insurers. Pre-existing conditions may be excluded. Advice from an insurance broker is recommended to ensure the policy meets your income protection needs.