Personal Accident And Illness Insurance Quote

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Personal Accident and Illness Insurance

Personal Accident and Illness Insurance Compare multiple insurance quotes online Flexible payment options - monthly or annually Instant online cover - no paperwork Compare quotes from our trusted insurance partners: What ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover) offers financial protection when you can no longer work due to an injury or sickness. A policy will cover your lost income while you aren't working or pay you a lump ...

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Insurance for Lawn Mowing Services

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... your business. That's where Personal Accident and Illness insurance saves the day, by providing financial protection when you need it the most. Personal Accident  and Illness (PA) insurance covers you for loss of income ...

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Understanding Insurance for Physiotherapists

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Insurance for Painters

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Business Insurance

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Business Insurance Perth

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Insurance for Personal Trainers

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Insurance for Cleaners

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Understanding Insurance for Graphic Designers

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Insurance for Massage & Alternative Therapies

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Insurance for Restaurants

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Insurance Considerations for Personal Trainers

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No Dramas

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How to start a plumbing business

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Five Tips for Starting your Home-based Business

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Safety tips for Tradies

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SBAA

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How to Prevent Job Risks for Carpenters

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A guide to choosing the right trade business

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What does Public Liability Insurance cover?

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Insurance for Cafes

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Cyber Liability Insurance

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Tax Audit Insurance

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How much does Business Insurance cost?

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Insurance for Restaurants & Cafes

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Insurance for Plumbers

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Insurance for Real Estate Agents

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Public Liability Insurance Explained

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Management Liability Insurance

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Professional Indemnity Insurance cost

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Insurance for Marketing Consultants

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Understanding Insurance for Mortgage Brokers

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Insurance for pharmacy and pharmacists

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What is Business Insurance?

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Insurance for Social Workers

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Understanding Insurance for Retailers

... cover for expenses and legal costs ... quotes from some of Australia's leading insurers, getting your retail business insurance sorted in minutes. *As with any insurance, cover will be subject to the terms, conditions and ...

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Insurance for Nurses

... the payment of compensation to a third party and the reasonable costs associated with responding to and managing claims covered by your . Another benefit of Professional Indemnity insurance is that it can assist you if ...

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Do I need Professional Indemnity insurance?

... . What does Professional Indemnity Insurance cover? Professional Indemnity insurance typically foots the bill for things like: Legal and defence costs Related claims investigation costs including those by a professional ...

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A Guide to PI Insurance

... professional duty. Professional Indemnity Insurance may protect you from such action by covering claims made against you, including legal defense costs up to your specified amount of cover, and after taking into account ...

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Reviews related to Personal Accident And Illness Insurance Quote

  • very easy to navigate and get instant cover

    Meredith P
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  • Was easy enough to change levels of cover, compare conditions and then contract the insurance cover I wanted.

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  • Very responsive service and competitive insurance pricing. Thank you Wanda

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Protect your income 

With Personal Accident & Illness Insurance* 

As the old saying goes, accidents do happen!  A simple spot of DIY around the house could result in broken bone, loss of sighta severed limb or even worse, death.  All of which could cause you to be out of action for some time or even permanently! An accident is probably the last thing you can afford in operating your business 

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.   

Everybody has their own unique circumstances and needs when it comes to Personal Accident and Illness insurance. To meet these needs there are different waiting periods (how long you have to be out of action before the cover kicks in), benefit periods and benefit levels available.  

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).  With BizCover, you can get quotes and Personal Accident and Illness insurance within minutes and once covered you will be protected 24/7! 

**Maximum limits apply  



Independent feedback from our customers rated our service at excellent.

What is typically included?* 

  • Loss of income as a result an injury  
  • Loss of income as a result of an illness  
  • Loss of income as a result of injury or illness (combined) 
  • Optional Extensions can include:  
  • Death benefits;  
  • Disablement benefits 
  • Business expenses  

What is typically not covered?* 

  • An injury or illness that is the result of: 
    • pre-existing conditions 
    • Pregnancy and childbirth  
    • An act which is intentional, criminal or caused by you. 
    • alcohol or drugs 
    • professional sports 
    • Motor sports 
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Cover Options  

With BizCover you can choose to cover through leading insurers up to 85% of your income**

When deciding on the level of cover you need through BizCoveryou should think about: 

  • How much cover yowould need to meet your day to day living expenses if you are unable to work 
  • How much money you or your family might need if you were disabled or died in an accident  
  • If you would like a benefit period of 12 months or two years;  
  • The length of any waiting period before payments will be made to you (ranging from 7 days – 28 days)The waiting period chosen is one of the factors that will have an impact on how much the cover costs. 

Could this happen to you? 

Accidents and illness are unfortunately a part of life, no matter how hard you try to avoid them.   

Winning Goal 

A social game of Rugby resulted in a scaffolder rupturing ligaments in his leg. He received a weekly benefit of $1,600 per week during his recovery period and the Insurer also worked with him on a rehabilitation plan which helped him return to work sooner.  

Back on track 

A trip resulted in an accident for one poor bookkeeper.  She suffered multiple fractures and other ligament/tendon injuries which left her unable to work for 4 months.  She was able to claim $2,800 per week for her time off, and received $44,800 in total, helping her cover her bills whilst she was out of action. 

An unexpected fate 

When doing some home DIY, a physiotherapist fell from a roof and died. His wife received a payment of $200,000 for his accidental death. 

**Maximum limits apply