Personal Accident Insurance

Are you a Zurich business insurance customer? If so speak to your broker today to find out more about Zurich's flexible Personal Accident Insurance. Get peace of mind 24 hours a day, seven days a week, anywhere in the world.

There are very few occupations/business types we are unable to consider. If you have employees, we are interested in talking to you about Group Personal Accident and Sickness cover.

Zurich's Group Personal Accident Insurance and Sickness Insurance policy provides you and your business with the flexibility to tailor the coverage to suit your needs and budget.

You can select or combine the following options:

  • 24 hours / 365 days a year
  • Working hours only, excluding commuting (at work injuries)
  • Working hours only, including commuting (at work injuries – includes travel to and from)
  • Non-working hours (outside work injuries)
  • Commuting to and from work
  • Voluntary work.

How to apply

Insurance Broker

Get a quote or apply through an insurance broker

Phone NIBA:Find a Broker - Phone NIBA phone number 1300 53 10 73 Find a broker

An insurance broker can help to
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Features & Benefits

Zurich leads the way with revolutionary product and service innovation in Group Personal Accident including:

  • Clear and easy to follow policy wording
  • Unexpired membership benefit
  • RenewalRewardz - recognition of claim free status
  • Recruitment expenses for both temporary and permanent replacement employees
  • Accommodation and transport expenses for spouse/dependent children
  • Lump sum benefit for miscarriage or premature childbirth as a result of an accident
  • Six month salary definition applies
  • Escalation of claims benefit linked to Australian Consumer Price Index (CPI)
  • Corporate image protection extended to include any person/s visiting the insured’s business premises.

Summary of Personal Accident Insurance features

Feature Summary
   
Accidental death cover Cover for accidental death as a result of an injury suffered from an accident.
   
Capital benefits cover Lump sum benefits for listed disablements resulting from an injury suffered from an accident.
   
Weekly injury benefits Loss of income cover as a result of temporary or partial disablement as a result of an injury suffered from an accident.
   
Weekly sickness benefits Loss of income cover as a result of temporary or partial disablement as a result of sickness.
   
Injury resulting in fractured bones Lump sum benefits for listed fractured bones.
   
Injury resulting in loss of teeth or dental procedures Lump sum benefits for loss of teeth or capping of teeth as a result of injury.
   
Independent financial advice benefit Cover for independent financial advice following a payment for accidental death or selected capital benefits.
   
Dependent child assistance Includes:
  • Education fund supplement
  • Lump sum benefit for surviving dependent child upon the accidental death of an insured person
  • Orphaned benefit - lump sum benefit for surviving dependent child upon the accidental death of an insured person and their spouse or partner from the same event.
   
Partner retraining benefit Pays for certain costs associated with the training or retraining of an insured person’s spouse or partner following the accidental death or permanent total disablement of the insured person.
   
Corporate image protection Reimbursement of costs relating to:
  • The engagement of public relations consultants; and/or
  • The release of information to the media following the accidental death or permanent total disablement of an insured person or any other person whilst visiting an insured’s business premises.
   
Unexpired membership benefit Provides cover for the reimbursement of unexpired paid membership, association or registration fee, for any sport which the insured person is unable to continue as a result of injury.
   
Miscarriage/premature child birth benefit Lump sum benefit for miscarriage or premature childbirth which results from an accident.
   
Funeral benefit Covers reasonable funeral and/or cremation expenses and/or the cost of returning the insured person's body or ashes to their country and/or state of residence following their accidental death.
   
Recruitment expenses Provides cover for external recruitment expenses incurred in hiring a temporary employee to complete the tasks of an injured employee; or a permanent employee to replace an injured employee.
   
Home and/or motor vehicle modification benefit Cover provides for costs necessarily incurred to modify the insured person's home and/or motor vehicle, or relocating to a suitable home in the event of a claims for a 100 per cent capital benefit.
   
Accommodation and transport expenses Pays reasonable accommodation and transport expenses incurred by an insured person’s spouse or partner and/or children to travel to or remain with them should they be admitted to a hospital which is 100 km from their home.
   
Chauffeur benefit Covers reasonable costs incurred for the hire of a suitable chauffeured vehicle or taxi to transport an insured person directly to and from their normal place of residence and normal place of work.
   

Additional benefits

Zurich’s Group Personal Accident and Sickness Insurance also provides an attractive range of additional benefit options including:

  • Student assistance benefit
  • Domestic home help
  • Non-Medicare medical expense cover
  • HECS/post graduate fee cover
  • Home nursing care benefit
  • AIDS/HIV needle stick injury benefit.

Documents

pdf
Personal Accident Insurance PDS

Type: pdf (2.7Mb)

Effective date: 20 November 2015

pdf
pdf

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