If the worst happens, our personal accident and sickness insurance can help protect you by offering financial support until you are recovered and can go back to work, up to the benefit period, as well as offering cover for Accidental Death benefit. Payments are depending on the insuring clauses triggered and the policy excess and benefit period you have selected, however in a nutshell, you have the option to be insured for:

WEEKLY SICKNESS BENEFIT:
Your weekly Sickness Benefit as specified in your Schedule or 85% of your gross Salary, whichever is the lesser (see below for definition of gross salary). There are scenarios where some indidividuals return to work in some capacity during their claim period, in which case thre may be an an amount payable (the difference) beweteen the agreed Sum insured and amount received from employment in a reduced capacity

ACCIDENTAL DEATH COVER: You have the option to select cover for accidental death up to the amount shown int he quoting platform. The benefit amount can also be utilised to pay compensation for Disablement as per the benefit list in the Product Disclosure Statement (PDS). For example, if you experienced a loss of sight in both eyes, you may receive up to the full sum insured.

REHABILITATION BENEFIT: To assist You to return to work, We will reimburse the cost of Your participation in a return to work program, up to $5,000, but only if the expenses are incurred while a Weekly Accident or Sickness Benefit is payable whilst You are Totally Disabled.

*** Terms and conditions apply. Please ensure you read the Product Disclosure Statement for a full list of policy benefits, definitions and exclusions.