Accidental Injury Cover


Short-term financial support, helping you continue daily life while recovering from an accidental injury.

​Experiencing an accidental injury can have an immediate impact on your daily life and ability to do your job, whether you’re a builder, office worker, or a parent caring for children at home.

Accidental Injury Cover is one of our optional products that you can choose to add to your core TotalCareMax insurance for some extra support. It provides an up-front payment, should you be injured accidentally. You can use this lump sum for whatever you need: covering treatment costs, getting taxis to work, hiring someone to help with children, or simply taking time off work to recover.

Certainty that you’re covered

You choose how much cover you need, up to $5,000 a month, and the lump sum you receive is based on the applicable injury category.

The table below provides a summary of the injury categories and the payment periods that apply to each. Please refer to the policy document for full details.

leads to a fracture that requires any form of immobilisation other than a cast 2 months
leads to a fracture that requires a cast 3 months
requires surgery under general anaesthesia 3 months
leads to one of the below:
  • An amputation of a limb
  • Permanent total blindness (aided or unaided)
  • Permanent total loss of hearing (aided or unaided)
  • Permanent paralysis (diplegia, hemiplegia, paraplegia, quadriplegia)
12 months


Once you know what injury category you are claiming under, your sum assured is then multiplied by the relevant claim payment period.

For example, if you have a sum assured of $4,000 a month and you fracture your arm that requires a cast, you are then eligible for a claim payment of $12,000 ($4,000 x 3 months).

So that you get the financial support you need, making a claim under this optional benefit won’t be affected by payments from ACC or other insurances you may have.

Flexible to individual needs

  • It can fill in gaps where ACC might not be able to cover you, or where larger insurance claims might not be triggered. Even if you do receive these other claim payments, you are still eligible to claim Accidental Injury Cover as well.
  • You can take this out with any of our core TotalCareMax insurance products.
  • Choose how you use your payment. Whether that’s to work fewer hours, taking time off work all together, or getting some help to keep completing your daily tasks.
  • No need for proof of income. If a carer or parent at home is injured it can affect their ability to fulfil daily tasks which in turn affects the whole household financially.


Limitations of Accidental Injury Cover

While our Accidental Injury Cover can help you better cope with an accidental injury, there are some situations you wouldn’t be covered for and therefore couldn’t claim on. 

For example:

  • Accidental injuries that requires a cast but not from a fracture
  • Fractures that do not require a form of cast, or immobilisation, or surgery under general anaesthesia

To help bring more of these scenarios to life, the document below has some hypothetical situations which aren't covered so you can understand this product better.

Accidental Injury Cover – Examples of accidental injuries that aren’t covered​​

Some exclusions also apply. For full product details please refer to the policy wording.

To find out if Accidental Injury Cover is right for you, talk to your Adviser.​​​​​​​​

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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.​