Personal Accident / Sickness Insurance
Protect your income and financial stability with tailored personal accident and sickness insurance designed for Australian workers, contractors and sole traders. Ezi Insurance provides flexible cover to help safeguard your livelihood if injury or illness prevents you from working.
Australia-Wide Cover
Tailored Solutions
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Specialist Personal Accident & Sickness Insurance Solutions
For many Australians, income depends on their ability to work. If illness or injury prevents you from earning, the financial impact can be immediate and significant; particularly for self-employed individuals, contractors and small business owners.
At Ezi Insurance, we arrange personal accident and sickness insurance across Australia to provide financial support during periods of temporary disability or illness. Our brokers work with leading insurers to structure cover that aligns with your occupation, income level and risk exposure.
Whether you are a tradie, contractor or professional operating independently, we help ensure your income is protected when it matters most.
What Does Accident & Sickness Insurance Insurance Cover?
Personal accident insurance policies can be structured to provide financial support if you are unable to work due to injury or illness.
Personal Accident Insurance
Provides weekly benefits if you suffer an accidental injury that prevents you from working.
Accident & Sickness Insurance
Covers both accidental injuries and specified illnesses that impact your ability to earn income.
Accident Income Protection
Offers financial support to replace a portion of lost income during temporary disability.
Salary Continuance Insurance
Provides ongoing payments while you recover from injury or illness, subject to policy terms.
Weekly Benefit Accident Insurance
Pays a weekly benefit during periods of certified incapacity.
Occupational & Non-Occupational Cover
Policies can include protection for work-related and non-work-related incidents.
Insurance Coverage
We arrange personal accident insurance for a wide range of occupations across Australia, including:
- Personal accident insurance for contractors
- Accident insurance for tradies
- Income protection for self employed individuals
- Income protection for sole traders
- Small business owners
- Consultants and professionals
- Commission-based workers
- Subcontractors
Personal Accident & Sickness Insurance FAQs
Find answers to common questions about personal accident cover, loss of income protection and weekly benefit payments.
Why Choose Ezi Insurance for Personal Accident Cover?
Income protection insurance requires careful consideration of occupation risk, benefit periods and waiting periods. We take the time to understand your occupation and structure cover that aligns with your income and financial commitments.
What is personal accident insurance?
Personal accident insurance provides financial benefits if you are unable to work due to accidental injury.
Does personal accident insurance cover illness?
Yes. Accident and sickness insurance can cover specified illnesses depending on policy terms.
Is this the same as income protection insurance?
Personal accident cover differs from traditional income protection policies but can provide similar weekly income support.
Can sole traders get personal accident insurance?
Yes. Income protection for sole traders is one of the most common uses of personal accident cover.
How is my premium calculated?
Premiums are based on occupation type, income level, benefit amount, waiting period and claims history.