Having Personal Accident & Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or illness. The cover is generally available regardless of whether or not you sustain injury or develop an illness due to your work.
If you were temporarily unable to work due to the accident or illness, your cover could pay you a benefit of up to 85% of your salary.
There is also an option to potentially cover you for accidental death or disablement, which can provide a lump sum payment to your beneficiaries if you die in an accident or to you if you suffer a permanent disabling injury.
Getting cover doesn’t have to be hassle and involve visits to the doctor, you can get cover without any forms or medicals (please be aware that you won’t typically be covered for any pre-existing medical conditions/injuries or any hazardous activities that you participate in).
These above policies are general insurance products meaning cover is limited for weekly benefits up to 104 weeks maximum (not to age 65).
This information is provided to assist you in understanding the terms, implications and common considerations in Personal Accident & Illness Insurance. It does not constitute advice, and is not complete, so please discuss the full details with your All Star broker.
With All Star, you can get tailored quotes for Personal Accident and Illness insurance within minutes and once covered you will be protected 24/7.
