If you are like me and my mates, 99% of injuries that stop you from going to work happen either on the weekend or before/after work engaging in lifestyle activities and having fun – surfing with mates and getting injured, doing a shoulder at ju-jitsu, or even just mucking around in the backyard with the kids.
BizCover’s Personal Accident and Illness insurance has you covered but isn’t workers’ comp. It covers you for accidents that happen outside of work.
Nothing gives that sickly feeling in the stomach like an injury while having fun with your mates and the realisation you won’t be able to work for an extended amount of time. You aren’t covered by workers’ comp because you were on the mountainbike after work when the injury happened.
As a tradie, your physical strength and wellbeing are required to get the job done. You can’t afford to be out of action because those bills, wages and living expenses won’t pay themselves!
WHAT IS TYPICALLY COVERED:
Personal Accident and Illness insurance can provide cover options for:
• Loss of income if you are unable to work due to illness or injury
• Benefits if a certain specified permanent injury causes disability
• Benefits due to death caused by an injury.
WHAT IS TYPICALLY NOT COVERED:
Typically not covered are an injury or illness that is the result of:
• Pre-existing conditions
• Pregnancy and childbirth
• An act which is intentional, criminal or caused by you
• Alcohol or drugs
• Professional sports
TEST #1: ACCIDENT WITH/ WITHOUT COVER
A good mate of mine, Coops, has had a couple of surfing accidents over the past few years with very different results.
After the first accident Cooper didn’t have any accident protection or injury coverage. It turned out to be a very stressful time for both him and his family when he injured his knee.
After that experience Cooper arranged Personal Accident and Illness coverage for his entire family, with the addition of income protection for himself. When he suffered a hamstring injury surfing 12 months or so later, he found the entire process a significantly different, stress-free experience.
Cooper shared, “After experiencing the stress of that first injury on my knee and not being able to work or bring in any income over that period being so extremely stressful, the doctors’ bills and other daily expenses put a lot of pressure on the family.
“Then, after arranging Personal Accident and Illness insurance*, I had peace of mind knowing I was covered. When I had my second injury only a matter of 15 months later and required surgery, I knew I was covered and all I could think was, ‘Thank God I had made the smart move of arranging that cover!’”
THE GOOD, THE BAD AND THE UGLY
Most tradies cringe at the thought of having to go through the process of arranging insurance of any kind, but the brilliant layout of the BizCover website means you can arrange various types of insurance from your smartphone or tablet at smoko while on the worksite. By simply visiting www. bizcover.com.au, after entering your key info, your screen will display a selection of top Australian insurers. Whatever price you are given onscreen is the amount you will pay.
BizCover is committed to offering the most competitive price it can for your Business Insurance. So, if you have just arranged your BizCover policy and find a cheaper quote, BizCover will offer to either beat the price on offer or cancel your policy with a full refund. This is what BizCover refers to as its ‘Price Promise’**. That’s a pretty impressive commitment to customer satisfaction.
So do yourself a fav and if you aren’t insured, or don’t have Personal Accident and Illness insurance in place, get onto www.bizcover.com.au today and create a more financially secure tomorrow.