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Personal Accident Insurance

Personal Accident Sickness Insurance in Australia

Personal accident insurance may be of benefit to you, should the unexpected happen. Are you are the only income earner in your family? Maybe losing your income would put huge pressure on your partner to keep paying the bills.

Guaranteeing that you can provide for your family is always a priority. You also need to consider your lifestyle. Do you have a large mortgage or do your kids go to private school? If the answer to those questions is ‘Yes’, the Centrelink payments would be unlikely to be much help. Nobody can ever guarantee that they won’t have an accident or fall sick in some other way. Therefore, having adequate personal accident insurance coverage becomes imperative to protect yourself and your loved ones from unforeseen financial hardships.

Even risk-proofing your life as much as possible can’t rule out the actions of other people. Sickness strikes many people down unexpectedly. Although you might be able to work, you could find your productivity falls dramatically. This has the potential to cause a lot of family stress. When you’re already sick or injured, that’s the last thing you need. A personal accident policy can provide a real safety blanket when you walk out the door, offering financial protection and support in the event of unexpected personal accidents. Whether it’s medical expenses, loss of income, or other related costs, a personal accident claim ensures that you and your family are covered during challenging times.

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Accidents at Work

Importance of Personal Accident and Sickness Insurance

Having comprehensive personal accident and sickness insurance is of great importance if you are self-employed. Most employers have schemes and professional insurance in place to help if you are accidentally injured at work. Being self-employed gives you the freedom to be your own boss, but that comes without a safety net.

A workplace accidental injury or one outside of work that leaves you incapacitated can give you a nasty wake-up call.

Personal Accident Insurance and illness Cover

To make sure your family is taken care of if you have an accident, talk to Sureinsure team of Brokers. If you work in a hazardous environment, we can arrange an assessment visit to a typical site. That means we can tailor a policy to fit your profession and to cover you against mechanical, chemical or other injuries.

It is also important to keep us up to date with your equipment specifications as that might change your policy requirements.

Accidents at Home or Elsewhere

If you have high risk hobbies it is worth considering what might happen if you injure yourself. For example, a painter might have trouble working if they went on a skiing holiday and dislocated their knee. This is where Personal Accident and Sickness Insurance can help. It doesn’t matter what you were doing at the time you got hurt. Even something as simple as cooking dinner can cause problems if you burn yourself or slip in the kitchen.

When you can’t work, you can get stressed and that has been clinically proven to reduce your recovery time. With personal accident and sickness insurance you can relax and recover properly, knowing bills are going to be paid. Click to get personal accident and sickness insurance quote online.

Other kinds of Sickness

With today’s high-pressure work and lifestyles, it’s not surprising that we often break down for other reasons. Mental and psychological health are just as important to your ability to function physically. If you suspect you might be starting to feel the strain, it’s worth letting us know before it becomes a problem. SureInsure Brokers can look at options for separate care of your mental well-being as part of your usual insurance. Additionally, we specialize in providing comprehensive coverage, including insurance for personal accidents, ensuring that you have the support you need in the face of unexpected events. Your well-being is our priority, both physically and mentally.

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Our Personal Accident and Sickness Insurance Specialists

Frequently Asked Questions

How much does personal accident insurance cost?

Personal accident insurance in Australia is an essential form of financial protection against the rising cost of medical care and potential income loss due to disability. It can be a very affordable form of insurance, with premiums ranging from a few hundred to a few thousand dollars per year depending on factors such as age, lifestyle, and policy limits.

Do I need to buy personal accident insurance?

As a responsible adult, having a personal accident insurance policy is an important part of planning for the future. Accidents can happen to anyone at any time, and a good insurance policy will provide financial coverage for both medical and other losses associated with the accident. Furthermore, insurance plans vary depending on individual needs and many policies include additional helpful benefits such as support services that may be needed if you experience an unexpected event like an accident. Purchasing a personal accident insurance policy is often more cost-effective than dealing with large medical bills or paying other related expenses out of pocket. The peace of mind alone offered by an insurance plan makes it worthwhile, so consider buying one today.

Is personal accident insurance the same as life insurance?

Personal accident insurance and life insurance are two distinctly different types of coverage. Although both types of insurance helps to protect individuals who are facing unexpected financial hardships due to accidental death, there are significant differences that make them suitable for varied needs. Life insurance pays a benefit to the beneficiaries upon the policyholder’s death, no matter how it occurs and when. Personal accident insurance, on the other hand, pays out a benefit only following an accidental death or injury; benefits are also subject to exclusions and limitations specified in the contract.

Why Personal Accident and Sickness insurance is important?

Personal accident and sickness insurance is a valuable asset for anyone looking to secure their financial future. This type of insurance provides coverage for medical costs, income interruption due to injury, and disability resulting from an accident or sickness. It can help protect you and your family from facing overwhelming expenses at the time of an unexpected illness or injury, giving you peace of mind knowing that you have protection in place should the unexpected occur. A personal accident and sickness policy ensures that both you and your dependents are covered while providing full access to necessary medications, therapies, treatments and follow up care.

What is not covered in personal accident insurance?

Personal accident insurance policies provide financial cover and support following an accident. However, there are certain circumstances that are typically excluded from these policies. Generally speaking, pre-existing medical conditions, mental health issues and any wilful act of self-injury will be excluded clauses in a policy. Additionally, any activity that is deemed dangerous or reckless by the insurer may be excluded too. Insurance policies can also exclude benefits associated with pregnancy or childbirth as well as common consequences of aging such as poor eyesight or hearing loss. Ultimately, when buying an insurance policy it is important to make sure you understand what exactly is and isn’t covered.