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SMART Personal Accident and Sickness Insurance
As a business owner, sole trader or contractor, your personal safety is your livelihood. You know that time away from work will have a direct impact on your income and that a long period away can negatively affect your savings, family and lifestyle.
Personal Accident & Sickness Insurance can help you pay for essential bills and other financial commitments when you have an accident or get sick, leaving you to concentrate on getting better.
What are you covered for with Personal Accident & Sickness Insurance?
Personal accident insurance policies may cover you for:
- permanent total disablement; and
- loss of, or loss of use of, a limb.
Some policies also cover permanent partial disablement, temporary total disablement and/or temporary partial disablement.
However generally personal accident and sickness insurance policies DO NOT cover death or injury if caused by sickness, disease or any naturally occurring condition. There typically are other exclusions so it’s smart to talk to SMART Business Insurance broker on 1300 542 573 or email us at [email protected] about personal accident / sickness insurance, and ask us about what is and what isn’t covered.
What you may be compensated for with Personal Accident and Sickness Insurance?
The amount of personal injury compensation awarded varies depending on the seriousness of the injury and the financial losses involved.
Compensation may be awarded for pain, suffering and your inability to do things after your accident that you could do before. Compensation may be made based upon medical evidence, normally specialist reports, of the injuries suffered. The amount of compensation takes into account how your injuries or disease affect you now and in the future.
Accident compensation may cover any loss of earnings since the accident and any future loss of earnings. In more serious cases personal injury compensation may extend to alterations to property or vehicles and on-going care costs, including those provided by the family.
Important: Please note the above is only general information. For more information you can call us at 1300 542 573 to TALK to a SMART Business Insurance Specialist, or email us as at [email protected]
1300 542 573
TALK to a SMART Business Insurance adviser