Why Do I Need Personal Accident Insurance?

Personal Accident Insurance is crucial for providing financial security in the event of unexpected injuries or disabilities resulting from accidents. This insurance helps maintain your and your family’s financial stability by covering medical expenses and providing income support if you are temporarily unable to work.

What Does Personal Accident Insurance Cover?

Personal Accident Insurance provides coverage for medical costs, loss of income, and rehabilitation expenses related to accidental injuries. It also offers lump-sum payments for permanent disability or accidental death, ensuring financial support when it’s needed most.

personal accident scenario

What's Generally Included & What's Not?

Personal Accident Insurance typically includes coverage for a wide range of accidents leading to injury or death. It may also cover other specific incidents as outlined in the policy details. This insurance is designed to provide comprehensive protection and support during recovery from an unexpected accident.

Often Included*
  • check icon Injury treatment costs
  • check icon Income replacement for temporary disability
  • check icon Lump-sum for permanent disability or accidental death
Often Excluded*
  • cross icon Accidents caused by pre-existing conditions
  • cross icon Injuries sustained from high-risk activities not covered by the policy
  • cross icon Accidents that occur under the influence of alcohol or drugs

info icon More Info*

For a complete list of terms, conditions and exclusions please refer to the relevant Product Disclosure Statement (PDS) or get in touch with one of our advisors.

Why Choose Aussurity for Personal Accident Insurance?

  • scale showing competitive pricing

    Quality Products & Competitive Pricing

    Having an extensive network of partners means that we can offer quality products with highly competitive pricing from some of Australia’s leading insurance companies.

  • insurance advisor

    Dedicated Insurance Expert

    Your account manager is your personal insurance expert, able to answer questions and provide tailored advice. Having a single point of contact means you'll receive consistent and high quality service.

  • claims assistant

    Claims Assistance

    A loss or claim being made against you can be a stressful experience. That's why we help guide our clients through every step of the Insurance claims process, relieving as much stress as we can along the way.

business owner speaking with insurance advisor

Not sure what cover you need?

Ask your trusted advisor!

Gain peace of mind with Personal Accident Insurance from Aussurity. Contact us today for more information and to discuss your coverage options.

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Personal Accident Insurance Frequently Asked Questions

Personal Accident Insurance is a type of coverage that provides financial compensation for physical injuries or death caused directly by accidental means.

This insurance is suitable for individuals looking to protect themselves and their families from the financial impact of accidents, especially if they engage in activities where the risk of injury is higher.

Yes, individuals with high-risk jobs can obtain Personal Accident Insurance, though the terms and premiums may vary based on the level of risk.

Temporary disability coverage provides financial support if you are unable to work temporarily due to injuries sustained in an accident. It typically includes a portion of your regular income.

No, Personal Accident Insurance typically covers accidents that occur in both personal and professional settings, providing broad protection.