Life's uncertainties can disrupt your plans, but Earnest Insurance offers Personal Accident & Illness Insurance across Australia to provide financial support when you're unable to work. Whether it's an unexpected injury or serious illness, our experienced brokers help you find the right cover so you can focus on recovery while we take care of the rest.
Complete Protection
Secure your financial future with personal accident and illness insurance ensuring you have the income support and protection you need when injury or illness prevents you from working.
Affordable Rates
We offer competitive personal accident and illness insurance quotes with flexible payment options helping Australians get the right level of income protection without stretching their budget.
General Advice Warning: Any advice provided is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you and read the relevant Product Disclosure Statement/Policy Wording before making any decision
Why do you need a Personal Accident & Illness Insurance?
Personal Accident & Illness Insurance helps manage the financial impact of unexpected injuries or illnesses protecting your income and lifestyle when you need it most across Australia.
.jpg)
Financial Security During Recovery
Receive weekly income benefits and financial support to manage your living expenses and bills when a personal accident or illness keeps you from working anywhere in Australia.
.jpg)
Medical Expense Coverage with Personal Illness Insurance
Get assistance with medical bills, hospital costs, and rehabilitation expenses through your personal accident and illness insurance policy supporting your full recovery and return to work.
.jpg)
Peace of Mind When the Unexpected Happens
Focus on your health and recovery knowing your personal accident and illness insurance policy has you covered reliable protection for individuals and businesses across Australia.
How Does Personal Accident & Illness Insurance Work in Australia?
Applying for Personal Accident & Illness Insurance with Earnest Insurance is a straightforward process designed to protect your income and financial future during unforeseen circumstances anywhere in Australia.
Step 1:
Contact Our Personal Accident Insurance Brokers
Give us a call or fill out the form to get a free personal accident and illness insurance quote from our experienced Australian insurance brokers we'll assess your needs and find the right cover for you.
Step 2:
Compare Personal Accident & Illness Insurance Options
We compare personal accident and illness insurance policies from leading Australian insurers making sure you have the right income protection cover, waiting periods, and benefit amounts for your situation.
Step 3:
Get Covered & Protect Your Income
Submit your personal accident and illness insurance application and get the coverage you need so you're financially protected if the unexpected happens anywhere across Australia.
FAQs
Find answers to your most pressing questions about Personal Accident & Illness Insurance.
Personal Accident & Illness Insurance in Australia is a policy that provides financial support if you are unable to work due to an unexpected accident, injury, or illness. It typically covers weekly income replacement benefits, lump sum payments for permanent disability, and medical or rehabilitation expenses — giving individuals and business owners across Australia financial security during their recovery.
Personal Accident and Illness Insurance provides financial support in the event of an accident or illness that prevents you from working. This coverage helps cover medical expenses, rehabilitation costs, and lost income during your recovery period. With this insurance, you can focus on your health and recovery without the added stress of financial burdens.
The amount of insurance you need depends on the value of your overall plan for protection. Choose flexible policies designed to meet the unique needs of your lifestyle.
Yes, many insurance providers allow you to customise your Personal Accident & Illness Insurance policy. You can add endorsements for specific items or increase your liability coverage based on your needs. Tailoring your policy ensures you have the protection that fits your lifestyle.
To file a claim, contact your insurance company and provide details about the incident. They will guide you through the process and assess the damage. Prompt reporting can help expedite your claim and get you back on track.
Still have questions?
We love to talk to you, just give us a call.
Get in Touch
Have questions about insurance? Our expert brokers are here to help.