Accidents. We never see them coming...
Personal Accident Insurance is particularly popular for self-employed people requiring insurance to get on job sites if they are in a manual occupation, however, many white collar workers also take out accident insurance as well.
Often workers compensation is not available for self-employed workers and accident insurance is taken instead. Accident insurance has the benefit that it covers you 24/7 world-wide and not just while you are at work.
Accident insurance can protect up to 75% of your income if you have an accident due to any accident or injury.
Personal accident insurance is generally considerably cheaper than accident and illness insurance, however, it pays to ask what the cost for full blown accident and illness insurance is as well.
Personal accident insurance is generally tax deductible at your marginal tax rate.
Who offers Personal Accident & Injury Insurance in Australia?
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