Do NDIS Registered Providers need Personal Accident Cover?
Movement is a big part of a NDIS support worker’s job. You’re on the go throughout the day, travelling to patients’ homes, helping them navigate their living spaces, transporting them to appointments, and providing other physical support. Now imagine you’re injured or become ill and are unable to do work for several weeks. Your patients may find help elsewhere, but what about you? Your bills and expenses—rent, utilities, groceries, school fees, etc.—don’t stop just because you’re laid up.
For many NDIS workers, the answer to this problem is Personal Accident & Illness insurance. These policies assist support workers in many circumstances, even when they’re not at work.
What is Personal Accident & Illness insurance?
Accidents can happen regardless of how careful you are at work or after hours. Should the unexpected happen, this product can cover your income and provide benefits for permanent disability and even death if you’re unable to work due to illness or injury. A Personal Accident policy may pay up to 85% of your salary for a covered claim (maximum limits apply). This could provide much-needed income while you’re unable to work.
INSTANT QUOTE ONLINE
You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)
What does Personal Accident Insurance cover?
Personal Accident & Illness insurance could create a useful safety net for you, your business, and your family. A policy typically covers a loss of income caused by an injury, illness, or combination of both.
You may also be able to choose optional extras that provide greater protection, such as:
• Business expenses
• Disablement benefits
• Death benefits
One great perk of Personal Accident insurance is that it protects you even when you’re not working. So, if you were injured on holiday and unable to work for several weeks, your Personal Accident policy could help you keep paying your bills while you recover.
The cover provided by Personal Accident insurance does have limits. Policies typically do not cover injuries or illnesses caused by:
• Pre-existing conditions
• Pregnancy and childbirth
• Alcohol or drugs
• Motorsports
• Professional sports
• An act that is intentional, criminal or caused by you
Why NDIS workers consider Personal Accident & Illness insurance
NDIS workers understand all too well that accidents and illness are a part of life. Personal Accident & Illness insurance helps you better manage these unexpected events should they happen to you.
Consider this example*:
You trip and fall, suffering multiple fractures and other ligament and tendon injuries as a result. You cannot work for several months while your arm heals and you recover. Could you afford to go without a pay cheque for that long?
Many NDIS workers consider a Personal Accident policy, particularly if they are sole traders and not covered by Workers’ Compensation insurance. If an injury or illness puts you out of action, your policy could help you continue to pay your day-to-day living expenses, as well as unplanned medical bills.
Insurance for NDIS Support Workers
MyCareSpace has partnered with BizCover to help NDIS support workers get tailor-made insurance coverage at an affordable price.
Compare Personal Accident & Illness options and get covered instantly—no doctor’s visit or complicated paperwork needed.
You can also sort other essential policies at the same time, like Support Worker Combined Liability insurance.
Save time and money with BizCover. Compare insurance options online in minutes and get instant cover!
Get a quote today by calling 02 82 87 65 76 to get started.
INSTANT QUOTE ONLINE
You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)
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