PERSONAL SICKNESS & ACCIDENT

Whilst most people in the workforce are covered by Worker’s Compensation, the cover doesn’t apply to sole traders or partnerships. If a sole trader or a partner is unable to work due to injury or illness, they can’t make a claim on Workers Compensation and will need some sort of protection while they are recovering.

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This cover is available for those who do not wish to or are not able to take out disability income protection insurance (a life insurance product).

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You can choose to be covered for injury only or a combination of illness and injury. Most insurers can include permanent or temporary disablement. Payout limits and waiting periods vary depending on the insurer.