Personal

Personal Accident & Illness

Contact a Personal Accident and Illness broker at Garden State Insurance Brokers for a quote.

Accidents and illnesses can happen when you least expect them. Our Personal Accident and Illness Insurance policy (PA) ensures that you are covered, offering peace of mind and financial protection. A Personal Accident and Illness policy is a must for a business owner who cannot afford to suddenly stop working.

Personal Accident & Illness insurance covers you for loss of income if you were unable to work as a result of an injury or illness. The cover is generally available regardless of whether or not you sustain injury or develop an illness due to your work.

• Cover is worldwide and is available 24 hours, 7 days per week.
• The benefit under a PA policy is usually between 52 and 104 weeks.
• There is usually a waiting period between 7 days – 28 Days.

Why GSIB
  • Cover is worldwide and is available 24 hours, 7 days per week
  • The benefit under a PA policy is usually between 52 and 104 weeks
  • There is usually a waiting period between 7 days – 28 days
  • The weekly payment is usually up to 85% of your income
  • Loss of income because of an injury due to an accident
  • Loss of income because of an illness
  • Loss of income as a result of illness or accident if both sections are taken
  • Optional Disablement benefits
  • Optional Death benefits
  • Cover is worldwide and is available 24 hours, 7 days per week.
  • The benefit under a PA policy is usually between 52 and 104 weeks.
  • There is usually a waiting period between 7 days – 28 Days.
  • The weekly payment is usually up to 85% of your income.
  • Optional Disablement benefits
  • Optional Death benefits

What is typically not covered:

  • Pre-existing conditions
  • Childbirth
  • An intentional act
  • Alcohol or drugs
  • Professional sports
  • Motor sports

The above is General Information advice only. You should refer to the Insurance Companies PDS for terms, conditions, and exclusions.

A Personal Accident and Illness policy is a must for a business owner who cannot afford to suddenly stop working.

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