Protect your lifestyle.
Accidents don’t discriminate. Whether you’re a business owner, contractor, self-employed professional, or simply someone who wants peace of mind, Individual Personal Accident Insurance provides financial support when you’re unable to work due to an injury or illness.
At KBI, we can help to get you tailored coverage that gives you certainty when life takes an unexpected turn.
A Simple, Flexible Solution
Individual Personal Accident Insurance provides a financial safety net if you’re unable to work due to a bodily injury caused by an accident or an illness. It’s designed to cover lost income, some medical assistance (non-medicare expenses), rehabilitation costs, and other associated out-of-pocket costs.
This type of cover is ideal for:
Self-employed individuals without access to sick leave or workers’ compensation
Contractors, freelancers, and consultants
High-risk occupations or active lifestyles
Individuals seeking 24/7 coverage for accidents & illnesses
Financial support when you need it most
Whether you’re running your own business, contracting, or living an active lifestyle, one serious accident can derail your income. Individual Personal Accident Insurance ensures you don’t have to choose between recovery and paying the bills.
If you relate to the below, then Individual Personal Accident Insurance might be for you:
Policies can be tailored to suit your needs and can include:
Weekly Income Benefit
Receive a percentage of your income (typically up to 85%*) if you’re unable to work due to accidental injury.
Lump Sum Benefits
Payable in the event of permanent disablement or death caused by an accident.
Medical and Rehab Expenses
Cover for non-Medicare medical expenses including physio, chiro, and other specialist care.
Flexible Cover Options
Choose the benefit period, waiting period, and insured amount that suits your lifestyle and risk exposure.
24/7 Worldwide Cover
You’re protected whether you’re at work, at home, or travelling abroad.
*conditions and limits apply.
Why Consider This Cover?
Individual Personal Accident Insurance steps in when your income stops – so you can focus on recovery, not financial stress.
| Event | Benefit |
| Temporary total disablement | Weekly income benefit (up to 85%*) |
| Permanent disablement | Lump sum payment |
| Accidental death | Lump sum payment to nominated beneficiary |
| Broken bones | Fixed benefit depending on severity |
| Emergency transport | Cost of ambulance and medical evacuation |
| Rehabilitation and recovery | Physiotherapy, occupational therapy, and more |
What’s Not Covered?
While Individual Personal Accident Insurance offers broad protection, it’s important to know about the exclusions.
Typical exclusions may include:
Pre-existing conditions or injuries
Accidents resulting from illegal activities
Injuries sustained while under the influence of alcohol or drugs
Participation in high-risk or extreme sports (unless disclosed and agreed)
Self-inflicted injuries or suicide
Claims during the waiting period
Losses covered by other insurance or medicare (e.g. workers’ comp or income protection)
Every insurer has different terms – we’ll help you understand the fine print and tailor your cover accordingly.
Tailored advice that helps businesses. We’re more than brokers.
Expert Brokers
Our team has deep expertise in both personal and business risk. We understand the complexities of income protection and tailor cover that suits your occupation, lifestyle, and financial goals.
Assistance with the Submission Process
We make the application process simple. From gathering the right information to ensuring your policy reflects your unique needs, we guide you through every step.
Quote Analysis
Not all policies are created equal. We compare multiple quotes from leading insurers to make sure you’re getting the right coverage – not just the cheapest premium.
Keeping You Updated
We don’t disappear after the policy is placed. You’ll receive proactive updates on renewals, changes in insurer terms, and anything that might affect your coverage.
On Your Team
Think of us as your insurance partner. We work for you – not the insurer – which means our advice is always in your best interest.
Claims Management
If you need to claim, we’re in your corner. Our experienced claims team helps you navigate the process quickly and smoothly, so you can focus on recovery.
Everyone’s risk profile is different. Our team will work with you to design a policy that reflects your income, lifestyle, and recovery needs – without paying for unnecessary extras.
Contact us today to get specialised, tailored advice for your specific needs.
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