Loss of Income from Injury
Helps replace income if an accident or injury prevents you from working, so rent, mortgage and living costs stay manageable while you recover.
Personal Protection
Accident and Sickness Insurance for Working Australians
Income support when injury or illness keeps you off the tools.
Personal accident and illness insurance helps cover you financially if you cannot work due to injury or sickness. If you have a mortgage, rent or a family to support, time off work should not wipe out your cashflow.
Access across leading Australian insurers and underwriting agencies, including:
Why This Cover Matters
Your income funds everything else. Protect it properly.
Personal accident and illness insurance gives you a sense of security if you fall ill or are injured. You will not need to rely only on savings while you recover. Ideal Insurance Brokers helps working Australians and business owners arrange personal accident and illness cover that fits real financial commitments.
100+
Underwriters
98%
Claims Success Rate
15-25%
Premium Savings
4.9
Google Review Rating
What Cover Can Include
Accident and sickness benefits worth understanding.
Loss of Income from Illness
Supports your income stream when sickness stops you working, reducing the pressure to return before you are ready.
Death Benefits
Provides a lump sum benefit that can help protect dependants and clear financial commitments if the worst happens.
Disablement Benefits
Helps cover expenses and financial strain if a serious injury or incident leaves you unable to continue normal work or lifestyle.
Waiting Period Options
Choose how soon benefits may start after a claim event, balancing premium cost against how long you can self-fund.
Benefit Period Choices
Select how long income support can continue, aligned to your recovery expectations and household budget.
Who We Help
Cover for people whose income depends on turning up.
Protection Focus
Situations this cover is built to address.
Accidental Injury Off Work
Injuries that prevent you from performing your usual occupation for a period of time.
Illness Interrupting Income
Medical conditions that force time away from work and disrupt your earnings.
Serious Disablement
Longer-term impacts where injury or illness changes what work you can do.
Support for Dependants
Death or serious disablement benefits that help protect those who rely on you financially.
Know the Limits
Common points to clarify with a broker
Every policy has boundaries. Tap a limitation to understand what to discuss with your broker before you buy.
Why Arrange Cover
Peace of mind when work is not an option.
- 01
Protect Everyday Cashflow
Keep paying rent, mortgage and essentials without draining savings during recovery.
- 02
Reduce Financial Stress
Focus on getting better instead of worrying about how bills will be covered.
- 03
Support Your Household
Help dependants stay financially stable if injury, illness or death interrupts your income.
- 04
Tailored to How You Earn
We align benefit amounts, waiting periods and occupations to your real work and budget.
Getting Covered
Simple steps to accident and sickness cover.
Why Ideal
Brokers who explain cover in plain English.
- 01
Occupation-Aware Advice
We understand how trades, contractors and business owners actually earn and recover.
- 02
Wide Market Access
Compare options across 100+ underwriters instead of taking a single default quote.
- 03
Clear Policy Guidance
Waiting periods, exclusions and benefit limits explained before you buy.
- 04
Claims Support
If you need to claim, we help you navigate the process with Ideal Insurance Brokers, not a call centre maze.
Frequently Asked Questions
It is personal cover designed to help replace income or provide benefits if injury or illness stops you working, and it can also include death or disablement benefits depending on the policy.
They are related. Accident and sickness policies and income protection products can overlap in purpose, but wordings, waiting periods and benefit structures differ. We help you choose the right style of cover for your situation.
Anyone whose household or business relies on their ability to work, especially sole traders, contractors, tradespeople and business owners without strong sick leave.
They can. Insurers often ask for health disclosures and may exclude or load for certain conditions. We help you present information accurately and understand any limitations.
A practical starting point is enough benefit to cover essential living costs and key commitments while you recover. We calculate options against your income and budget.
Share basic details about your occupation, income and preferred benefit structure. Ideal Insurance Brokers will compare suitable markets and walk you through the options.
Protect your income before you need it.
Get tailored accident and sickness advice from brokers who understand working Australians and SME owners.