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ProRisk is able to provide competitive Accident and Sickness quotations for individuals, group and voluntary workers. Personal accident and sickness insurance protects a person from loss of income and can also include reimbursement of certain medical expenses in the event that a person becomes temporarily disabled as a result of an accident or sickness. Below are some claims examples that highlight the benefit of having an Accident and Sickness policy in place.
1. University Student
The Insured injured her left shoulder when she fell off her bicycle on the way to University.
At the time of the accident, the Insured was working as a casual childcare worker.
After the accident the Insured was temporarily totally disabled and unable to perform her work as a childcare worker.
The Insured received weekly benefits of over $4,000 whilst she was unable to work.
She was also reimbursed with over $3,000 for non-medicare medical expenses that were incurred by her following the accident.
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2. Tiler
The Insured was a tiler.
Whilst working he injured his right knee by tearing the medical meniscus.
After the accident the Insured was temporarily totally disabled and unable to perform his work as a tiler.
The Insured received weekly benefits of over $9,000 whilst he was unable to work.
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3. Landscaper
The Insured was a landscaper.
The insured dislocated his right knee whilst playing a game on the X-Box 360 Kinect.
After the accident the Insured was temporarily totally disabled and unable to perform his work as a tiler.
The Insured received weekly benefits of over $2,000 whilst he was unable to work.
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4. Company Director
The Insured was a Company Director.
He was involved in a car accident. His left leg was seriously injured and was eventually required to be amputated above the knee.
The Insured received a capital benefit payment of $100,000.
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5. Cleaner
The Insured was a cleaner.
The Insured developed a heart condition that temporarily prevented her from working.
The Insured’s policy provided cover for loss of income due to illness.
The Insured received weekly benefits of over $5,000 whilst she was unable to work.
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Did you know
ProRisk is best known as a specialist in Professional Indemnity insurance but did you know that we can also offer:
 Medical Malpractice
Public and Products Liability (including Hotels)
Specified Items in Transit (Tools of Trade)
Management Liability
Information Technology Insurance
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Feel free to contact a member of the team with any queries.
ProRisk your problem solving underwriting solution.
Email: enquiries@prorisk.com.au
Phone: 03 9235 5255
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