Term Life Insurance
A fixed amount for a fixed number of years, at the lowest cost per dollar of cover.
Read more →Life & Health
Accident Insurance
Fixed cash benefits for injuries, paid on a published schedule.
What this cover does
Accident cover pays set amounts for specific injuries and treatments — a fracture, a burn, an ambulance ride, a night in hospital — straight to you. It is a supplement, built to absorb the deductible and the gaps a high-deductible health plan leaves behind.
Typically included
- Scheduled benefits for fractures, dislocations, burns and lacerations
- Emergency room, ambulance and urgent care benefits
- Hospital admission and daily confinement benefits
- Follow-up treatment and physical therapy
- Accidental death and dismemberment benefits
Common add-ons
- Family cover including sports injuries
- Wellness benefits for annual screening
- Higher benefit tiers
- Portable cover that continues if you change jobs
Questions
What people ask about accident
Does it replace health insurance?
No, and it should never be bought as a substitute. It pays fixed amounts alongside a health plan; it does not pay the medical bill itself.
Are sports injuries covered?
Organised amateur and school sport is generally covered. Professional competition and some high-risk pursuits are commonly excluded, so tell us what you actually do.
Often taken together
Related cover
Whole Life Insurance
Permanent cover with a guaranteed death benefit and a cash value that builds.
Read more →Quote Accident Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.