Personal Accident and Sickness Insurance

What are the key benefits of the i-Protect Personal Accident & Sickness Insurance policy for individuals?

• Cover is Worldwide and is available 24 hours, 7 days per week
• A simple application form is all that's required complete
• Weekly Benefits are payable in the event of a claim
• Weekly Benefit Selection available (up to a maximum of 85% of Gross Pre-Tax Income) capped at a limit of $3,000 per week
• Maximum Weekly Benefit period is 104 weeks (reducing to 52 for injuries only after age 65 up to age 70)
• Workers Compensation top up of up to $400 is available for Queensland and New South Wales works only
• Covers people that play sport — as long as sport income doesn't exceed more than 25% of wages. Injuries sustained from any code of football do have a 28 day excess
• Includes an accidental death & funeral benefit plus other relevant benefits

Why is this product appealing if you are an employer?

• You are offering a weekly benefit to your workers
• It stops non work related claims being put on to workers compensation policies
• You are not paying for this
• Employees pay for this via direct debit on a weekly, fortnightly or monthly basis
• It should be given to existing workers and also included as part of new workers on boarding
• There is no administrative burden on payroll
• Can be used as a recruitment tool — "we provide our workers with access to a weekly benefit"

FAQs

Are you looking for a personal insurance product that has been designed for individuals working in Mining, Transport or Labour Hire?
I-Protect has been developed with an understanding of the needs of these particular sectors and the benefits are relevant in the event of a claim.

Are you looking for an insurance product that provides a weekly benefit for those aged over 60?
Most income protection products cease at the age of 60. I-Protect insures people up to the age of 70.