PERSONAL ACCIDENT INSURANCE BROKER
Personal Accident & Illness Insurance
When the unexpected happens – an illness, injury, or accident – you deserve protection that looks after your income, medical expenses, and peace of mind. AllCover Insurance Brokers offers Personal Accident & Illness Insurance that helps you stay financially secure during difficult times.
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What Is Personal Accident & Illness Insurance?
Personal Accident & Illness cover provides financial support if you’re unable to work due to injury or illness. It can help with medical bills, recovery costs, lost income, and sometimes rehabilitation or disability benefits. This kind of insurance is key for business owners, contractors, and individuals whose income depends on their ability to work.
What’s Typically Included
Lump‑sum payout for serious injury or permanent disability
Weekly (or fortnightly/monthly) income replacement while you recover
Medical expenses & hospital costs related to the injury/illness
Rehabilitation costs or therapy if needed
Funeral expenses in case of death caused by injury or illness
Optional extras: commuter cover (injury while travelling to/from work), accidental death, temporary total disability
What to Look Out For
| Feature | Why It Matters |
| Benefit Waiting Period | Time (e.g. 7, 14, 30 days) before you start receiving income replacement; longer waits reduce premium but increase risk. |
| Benefit Period / Maximum Cover Time | How long payments will last (e.g. 12 weeks, until return to work, or other). |
| Definition of Injury / Illness | What’s covered; some policies exclude certain high‑risk activities or pre‑existing conditions. |
| Sum Insured / Benefit Amounts | Ensure benefit matches your income or financial obligations. Under‑estimating can leave gaps. |
| Exclusions / Restrictions | Includes dangerous sports, self‑inflicted injury, mental health in some policies, etc. |
| Medical & Recovery Requirements | You may need to provide reports, undergo medical assessments; cooperative behaviour usually required. |
Who should consider this cover:
- Self‑employed, contractors, tradies, freelancers whose income stops when they stop working.
- Business owners needing protection against loss of earnings when illness or injury takes you out of action.
- Individuals without strong sick leave or income protection through employers.
- People wanting peace of mind for medical or rehabilitation costs without relying solely on workers’ compensation or Medicare.
Why Choose AllCover for Your Personal Accident & Illness Cover
1.
We’ll help you calculate benefit levels that match your income and expenses—so you aren’t underinsured.
2.
We compare policies with strong terms, shorter waiting periods, and suitable benefit periods.
3.
We clearly explain exclusions, definitions, and conditions so you understand exactly when and how you’re covered.
4.
We assist with claim documentation and support you through recovery stages.
5.
We review your cover over time so as your situation changes (business growth, health, life stage) your insurance keeps pace.
Real Life Scenarios
- A tradie is injured on a jobsite and can’t work for 4 weeks. Income replacement helps cover lost earnings while recovering.
- A business owner is diagnosed with a serious illness; medical bills, hospitalisation and rehab are substantial – policy assists with those costs.
- Someone travelling to work is in a car accident; personal accident cover may cover additional medical or recovery expenses.
Cost and What Affects Premiums?
– Your age and general health history
– Your occupation / risk of injury in your work (higher risk = higher premium)
– Benefit level (weekly income replaced, lump sum)
– Waiting period and the benefit period chosen
– Whether you include extras like commuter cover or accidental death
– Claims history or previous related injuries
Get a Quote
Protect yourself and your future with Personal Accident & Illness cover that delivers real support when you need it most.
Call 1300 362 140 or fill in our quote request form. Let AllCover assess your needs and recommend cover that gives confidence, not doubt.
What’s the difference between Personal Accident & Illness insurance and Income Protection?
Personal Accident & Illness usually covers shorter‑term injuries or illnesses, often with lump sum or fixed benefit payments. Income Protection tends to replace income for longer periods and is more comprehensive.
Does this cover pre‑existing conditions?
It depends on the policy. Many exclude pre‑existing conditions or have special waiting periods or assessments. We’ll find you options that are upfront about this.
Can I add extras like accidental death or commuting injury?
Yes – many policies offer these as optional extras that you can include for additional protection.
General Advice Warning
We operate under a General Advice Model for Retail Products. Any advice given is general in nature and may not take into account your personal objectives, financial situation and/or needs. Please read the relevant Product Disclosure Statement (if applicable) before acquiring any product offered or quoted.