Protecting you, your business, and your income
Life is unpredictable, and an accident or illness can affect more than just your health, it can impact your ability to work and earn an income. Personal Accident and Illness Insurance helps reduce the financial burden by providing weekly or lump-sum benefits if you’re unable to work due to injury, accident, or in some cases, sickness.
At Network Insurance House, we work with individuals, self-employed professionals, and businesses to arrange the most appropriate level of cover, ensuring peace of mind when the unexpected happens.
Why Personal Accident and Illness Insurance matters
What does Personal Accident and Illness Insurance cover?
Depending on your needs and policy selection, cover may include:
- Weekly benefits for loss of income due to accidental injury or sickness
- Lump-sum payments in the event of accidental death or permanent disability
- Cover for self-employed workers, contractors, or business owners without access to other entitlements
- Policies tailored for individuals, small businesses, and larger organisations
- Flexible timeframes, such as 24-hour cover or cover during working hours only
How we support you beyond the policy
Insurance is about more than just a policy, it’s about having support when you need it most.
- We help you arrange the most appropriate level of cover for your circumstances.
- We work with trusted insurers across a range of industries and occupations.
- We are available to review and update your policy as your business or personal circumstances change.
- We advocate for you at claim time, working with insurers to achieve a fair and timely outcome.
What happens if I have a claim?
We are your advocate at claims time. We work for you and seek the most appropriate claims outcome based on your coverage.
- We collect and prepare all claims information with you.
- We liaise directly with the insurer on your behalf.
- We work to secure a fair and timely resolution.
- We reduce stress by handling the process with clarity, confidence, and professionalism.
Protect your income and your future
Accidents and illness can happen at any time. Personal Accident and Illness Insurance helps ensure that you, your business, and your family are financially supported when life takes an unexpected turn.
Frequently Asked Questions
- Who should consider Personal Accident and Illness Insurance?
This cover is particularly valuable for self-employed people, contractors, and business owners who may not have access to sick leave, annual leave, or workers’ compensation.
- What is the difference between Personal Accident Insurance and Income Protection Insurance?
While both can provide financial support if you cannot work, Personal Accident and Illness Insurance generally offers weekly or lump-sum benefits for injury, accident, or sickness, whereas Income Protection Insurance typically provides broader income replacement benefits over a longer period.
- Can I choose when I am covered?
Yes. Policies can be tailored to cover you 24 hours a day or only during specified times, such as working hours.
- Does this insurance cover sickness as well as accidents?
Many policies can extend to cover illness in addition to accidental injury, depending on the level of cover selected.
- What happens if I need to make a claim?
At Network Insurance House, we act as your advocate. We help you prepare your claim, liaise with the insurer on your behalf, and work to achieve a fair and timely resolution.
