Accident & Sickness Insurance
Accidents and illnesses can strike at any time, potentially disrupting your ability to work and earn an income. Accident & Sickness Insurance provides financial protection by offering a regular income if you’re unable to work due to an injury or illness. Whether you’re self-employed, employed, or run your own business, this insurance is crucial for maintaining your financial stability during unexpected health setbacks.
Why Accident & Sickness Insurance is Essential
Features and Benefits
Income Replacement: This insurance provides a regular income if you’re unable to work due to an accident or illness. It’s a vital safety net that ensures you can cover living expenses and maintain your lifestyle while recovering.
Cover for Accidents and Sickness: The policy covers a wide range of conditions, from broken bones to serious illnesses, giving you peace of mind that you’re protected against the financial impact of both sudden injuries and long-term health issues.
Flexible Policy Terms: You can choose a policy term that suits your needs, with options to select the level of cover, waiting periods, and benefit duration, ensuring that the policy aligns with your financial circumstances.
Rehabilitation Support: Some policies include access to rehabilitation services to help you recover and return to work as soon as possible, providing additional support during your recovery process.
No Medical History Requirement: Many Accident & Sickness Insurance policies do not require extensive medical history checks, making it easier to obtain cover regardless of your past health conditions.
What is Typically Covered?
Comprehensive Cover for Peace of Mind
Accident & Sickness Insurance typically covers a wide range of scenarios:
Accidental Injuries: Coverage for income loss due to accidents such as fractures, sprains, or injuries that prevent you from working.
Serious Illnesses: Protection if you’re diagnosed with a serious illness like cancer, heart disease, or other conditions that require time off work for treatment and recovery.
Partial or Full Disability: Some policies provide cover if you’re partially or fully disabled due to an accident or illness, helping to mitigate the financial impact of reduced work capacity.
Hospitalisation: Financial support if you’re hospitalised due to an accident or illness, covering associated costs like lost wages and medical bills.
Exclusions: While Accident & Sickness Insurance offers extensive protection, there are common exclusions to be aware of, such as:
Pre-Existing Conditions: Conditions that existed before the start of the policy are typically excluded unless declared and agreed upon by the insurer.
Self-Inflicted Injuries: Injuries or illnesses that result from intentional self-harm or reckless behaviour are not covered.
Substance Abuse: Illnesses or injuries related to drug or alcohol abuse are generally excluded from coverage.
Pregnancy-Related Conditions: Normal pregnancy and childbirth are usually not covered, although complications arising from pregnancy might be considered under some policies.
Why Choose Becks Insurance Brokers?
At Becks Insurance Brokers, we understand the importance of securing your income in the face of unexpected health challenges. Our experienced brokers work with leading insurers to offer tailored Accident & Sickness Insurance solutions that meet your specific needs. We provide personalised advice, ensuring that you have the right level of cover to protect your financial wellbeing.
Get a Quote Today
Protect your income with Accident & Sickness Insurance from Becks Insurance Brokers. Book an appointment here or request a quote by completing our online form here. Our team is here to help you find the right policy to suit your needs.
