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Accidents and Sickness can happen to anyone, any time, any place; and unfortunately they can often cause hardship and additional expenses. And construction sites still rate as one of the more dangerous places to work.
That’s where SHC can help.
SHC has been servicing the Construction and Allied industry for over 20 years. We specialise in bringing quality Personal Accident and Sickness Insurance products to individuals and families right throughout Australia. Our policyholders receive peace of mind in the unfortunate event of a covered accident or sickness. Our product range provides 24 Hour 7 Day a week cover at affordable prices. We pride ourselves on our personalised service which can be accessed at any time during work hours – please call our friendly customer service team on 1300 550 665.
Alternatively to purchase Personal Accident (& Sickness) at a cheaper price, our online live quoting/payment option is open 24/7 and never sleeps. This way you can shop and purchase your insurance at your leisure anytime of the day.
We are a company you can trust. We are a member of the Insurance Ombudsman Service and are the holder of Australian Financial Services Licence 240867.
Have peace of mind, insure with SHC.
Benefts of Personal Accident Insurance
A great beneft of personal accident insurance is that the premiums are fully tax deductible. Personal accident insurance will cover you for up to 75% of your income and you have the choice of either one or two years beneft periods or until you reach the age of 65.
This is a good policy to have as you are secure in the knowledge that in the event of an accident that should keep you off work for a long period of time, you have a policy that will cover you. Which means you can rest assured that your family will be catered for in any ‘down’ time you may have.
What is covered by personal accident insurance policy?
All personal accident insurance policies differ. SHC and the insurer will cover you for any bodily injury sustained solely and directly by an accident. The injuries need to be external and visible and independent of any other cause. This means that you are generally covered for general accidents that may cause you to suffer an injury which prevents you from working.
Personal Accident Insurance can cover Death
Personal accident insurance as previously stated provides you with an ongoing income of up to 75% if you are unable to work due to an accident. In most instances these types of policies are a lot cheaper than full sickness and accident insurance policies, as they only cover you for accidents. You can elect to pick only ‘Accident’ and leave out the ‘Sickness’ on your policy.
You also have the option of picking Capital Benefts which is a lump sum is the insured dies. The maximum payout you can insure under this policy is AUD$100,000.Personal accident insurance pays you as an individual if injured, whereas Capital Beneft insurance pays your benefciaries or your estate.
You are normally not required to undergo any medical tests to get the cover for personal accident insurance into place, and it can therefore be put in force almost immediately – now.
