Personal Accident Insurance NZ

What is Personal Accident Insurance?

Personal accident insurance provides financial protection if you suffer an accidental injury or death. It pays a lump sum benefit that can be used to cover medical expenses, replace income, or provide for your family in the event of death.

This insurance is particularly important for individuals who are the primary breadwinners or who have significant financial obligations. It provides peace of mind knowing that your family will be protected if the unexpected happens.

What Does It Cover?

• Accidental death benefit
• Permanent disability benefit
• Temporary total disablement
• Weekly benefits
• Medical expenses
• Death by natural causes (optional)

Who Needs Personal Accident Insurance?

Personal accident insurance is essential for:

• • Primary breadwinners
• • Self-employed individuals
• • High-risk occupation workers
• • Business owners

Typical Costs

Personal accident insurance costs vary based on age, occupation, and coverage. Typical costs start from:

• • Basic cover: From $150/year
• • Standard cover: From $300/year
• • Comprehensive cover: From $500/year