Personal Accident Insurance

Financial Protection When Injury or Illness Stops You from Working

Accidents can happen at any time — on the job, on the road, or even during daily activities. When they do, the financial impact of lost income can be significant.

Personal Accident Insurance provides financial support if you suffer an injury, illness, or death as a result of an accident during the period of insurance.

It offers lump-sum payments or weekly benefits to help reduce financial hardship and support recovery while you’re unable to work.

Get Advice

What the Policy Covers

Personal Accident Insurance is designed to protect your income and financial well-being following an accident.

Depending on the nature and severity of the incident, the policy can provide:

Accidental Death Benefit

Lump-sum payment to nominated beneficiaries in the event of accidental death.

Temporary Total Disablement (TTD)

Weekly benefit while you are completely unable to work due to an injury.

Broken Bones Benefit

Lump-sum payments for specified fractures and injuries.

Permanent Disability Benefit

Lump-sum payment for permanent loss of function or disablement.

Temporary Partial Disablement (TPD)

Weekly benefit if you can only perform limited duties during recovery.

Illness Cover (Optional)

Protection for temporary inability to work due to covered illness.

Benefits are tailored to suit your occupation, income level, and risk exposure.

Why It Matters

Personal Accident Insurance is designed to protect your income and financial well-being following an accident.

Without an income, even a short-term injury can create financial stress — especially for the self-employed.

Personal Accident Insurance helps maintain your financial stability by providing income replacement or a lump-sum benefit during your recovery period, allowing you to focus on rehabilitation rather than expenses.

Who Should Consider This Cover

This cover is suitable for a wide range of individuals and businesses, including:

Self-Employed Professionals and Sole Traders

Self-employed professionals and sole traders seeking income protection after an accident.

Small Business Owners

Small business owners who need financial support during injury or recovery periods.

Contractors and Tradespeople

Contractors and tradespeople working in high-risk or physically demanding roles.

Employees Without Paid Leave Benefits

Employees who do not have access to paid sick leave or injury benefits.

Part-Time or Casual Workers

Part-time or casual workers needing financial support during time off due to injury.

Workers Seeking Income Protection

Individuals seeking protection against loss of income due to accident or illness.

Benefits of Personal Accident Cover

Replaces income lost while unable to work due to injury or illness

Provides lump-sum compensation for permanent disability or death

Flexible cover options tailored to your occupation and lifestyle

Helps safeguard your family, business, and financial commitments

Protect Yourself and Your Income

At Bind Insurance, we help individuals and business owners secure peace of mind with tailored Personal Accident Insurance solutions.

Our brokers work with trusted insurers to match the right level of cover to your occupation, income, and risk profile — ensuring you’re protected when you need it most.