Call now: 1300 793 143
Needle-stick protection Income Protection
Imagine the worst happens. You’re performing a routine venipuncture, something you’ve done regularly over the past 15 years of your career as a medical practitioner. But, this time, as you withdraw the needle from the patient, their arm slaps against yours and the needle cuts through the latex and into your finger. You follow the hospitals needle-stick injury protocol and report the incident. Now you must endure the harrowing process of testing for serious diseases like HIV, and Hepatitis B & C.
Now imagine being told that sero-conversion has occurred. Nothing can take back this accident. What might help is knowing that yourself, and your family, can be taken care of financially into the future.
A number of insurance companies include special cover for needle-stick injuries like this one via their income protection policies. By choosing to have the needle-stick option included in your policy you can be protected financially in the event you contract serious diseases like HIV, and Hepatitis B or C.
Many companies offer a benefit of up to a million dollars, with the amount generally based on the reduction in your income at the date of loss (and payable after completion of the waiting period). But, the structure of the policy, along with the amount of cover can vary between companies so it is important to discuss your options with an insurance advisor prior to deciding which option is best for you.
*Studies have demonstrated that there are a high percentage of unreported needle-stick accidents occurring amongst health care workers. While the industry is working to improve preventative measures, our medical practitioners deserve the peace of mind of knowing they are at least covered with the right insurance policy in case the worst occurs.
If you work in the medical industry and have any questions or concerns about your level of cover, please call us to speak to one of our qualified consultants.
- Life Insurance TAL introduces Health Sense
- Income Protection What you should be covered for with income protection
- Insurance Giving you the best chance of having your claim approved
- Income Protection Football Income Protection - Standard Rates
- Income Protection The three tiers of income protection - how do they work for you?
© Rate Detective - All Rights Reserved
ABN 47 127 196 712
Reproduction in part or whole without written
permission is prohibited.
RATE DETECTIVE PTY LTD. AUSTRALIAN CREDIT LICENCE NO. 469009
The Rate Detective brand is operated by Spotter Finance Pty Ltd an authorised representatives (AR Number 1254369) of Crown Wealth Group Pty Ltd ABN 22 603 037 510 Australian Financial Services Licensee 494274. Spotter Finance and its advisers are authorised to advise and deal in superannuation and life insurance products only.
Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. Please note our advice does not include independent financial, legal and taxation advice prior to acquiring a product.
Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.
The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.
Compare life insurance, home loans, income protection and credit cards to find a competitive rate for your situation by providing you prices for all products on our panel. There are hundreds of choices out there, and our guides and calculators can help you when you are searching for these products.
Rate Detective aims is to save its customers money, time and effort through its innovative rate comparison website designed specifically to cater the needs of the Australia market. Rate Detective is a one stop online shop that provides the necessary tools to help you find and compare home loans, personal insurance, credit cards and travel insurance. Rate detective is even able to help you find suitable electricity providers!
Do an online comparison today or if you would like to call our centre we have trained professionals ready to help with your enquiry.