Corporate Travel
Addresses selected risks for insured people on authorised business trips, potentially including overseas medical emergencies, travel disruption, baggage loss and assistance within an employer's travel programme.
- Illustrative example
- An employee travelling overseas for meetings needs emergency treatment and must rearrange the return journey.
- Check the wording
- Confirm covered travellers, trip purposes, maximum duration, pre-existing conditions and any private travel extensions before departure.
Read the detailed Corporate Travel guide
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Personal Accident
Pays scheduled benefits following qualifying accidental injury or death, and may include temporary disability payments, helping reduce financial pressure without necessarily reimbursing every resulting expense.
- Illustrative example
- A self-employed person breaks an arm in an accident and cannot perform normal work temporarily.
- Check the wording
- Check benefit definitions, occupation, waiting periods, age limits and excluded activities; sickness requires expressly included cover.
Read the detailed Personal Accident guide
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Journey Insurance
Provides specified accident benefits for eligible travel between home and work, addressing commuting injury exposures where the relevant journey falls within the policy's defined scope.
- Illustrative example
- An employee is injured while cycling directly home from work and temporarily cannot return to duties.
- Check the wording
- Review route deviations, journey start and end points, benefit limits and interaction with applicable workers compensation arrangements.
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Voluntary Workers
Provides defined accident benefits for eligible volunteers injured while undertaking authorised activities, potentially including specified expenses or disability benefits depending on the organisation's chosen cover.
- Illustrative example
- A registered volunteer falls while setting up an approved community fundraiser and needs recovery time.
- Check the wording
- Confirm eligible volunteers, age limits, authorised duties and travel; liability claims against the organisation require separate consideration.
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Group Personal Accident
Insures a defined group under one arrangement, providing scheduled benefits for covered accidental injuries or deaths during specified activities or across an agreed period of cover.
- Illustrative example
- A sporting association arranges accident benefits for members injured during scheduled training and competition activities.
- Check the wording
- Membership eligibility, covered activities, benefit categories and aggregate event limits matter; group membership alone does not establish cover.
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Expatriate Insurance
Specialist arrangement
Addresses selected medical, evacuation and accident exposures for employees assigned abroad, sometimes including eligible dependants, through arrangements tailored to assignment length and destination requirements.
- Illustrative example
- An employee on a long overseas assignment needs specialist medical care unavailable near the work location.
- Check the wording
- Check residency, local health requirements, dependants and existing benefits; private health, life and travel cover may need separate advice.
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Sickness benefits
Cover section
Specified benefits when covered illness prevents an insured person working, subject to eligibility, waiting and benefit periods, and medical exclusions.
- Illustrative example
- An insured business owner cannot work during recovery from a covered illness.
- Check the wording
- Check the occupation, medical exclusions, waiting period, benefit amount and benefit period.
Read the detailed Sickness benefits guide
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