Accident and Sickness Insurance
Pays a benefit for accidental injury, hospitalisation or accidental death, at a low monthly cost.
Accident and sickness plans pay a defined benefit when something specific happens: a fracture, a hospital admission, an accidental death or a permanent impairment. Because the triggers are narrow and objective, the premiums are among the lowest of any coverage we place.
This is not a substitute for life or disability insurance, and we will not sell it as one. It works best as an inexpensive layer on top — particularly for people in physical trades, for families wanting hospital cash benefits, or as a first policy for someone who cannot yet afford full coverage.
Who this is for
- Tradespeople and workers in physically demanding jobs
- Families wanting hospital cash benefits at a low premium
- People who cannot yet afford full life or disability coverage
- Anyone wanting to top up an existing plan cheaply
What you get
Accidental death and dismemberment
A lump sum for accidental death, and a scheduled benefit for the loss of a limb, sight or hearing.
Fracture and burn benefits
Fixed payments by injury type, paid directly to you regardless of any other coverage you hold.
Hospital cash benefit
A set amount for each day spent in hospital, which covers parking, meals and a partner’s time off.
Low, stable premiums
Among the least expensive coverage available, with rates that do not depend on a detailed medical history.
Minimal underwriting
Most plans are issued on a handful of questions with no exam.
Pairs with a group plan
Benefits are paid on top of any employer coverage rather than being offset against it.
Questions we get asked
No. Accident and sickness plans pay fixed amounts for specific listed events. Disability insurance replaces your income for as long as you cannot work, whatever the cause.
Yes. These benefits are paid directly to you and are not reduced by other coverage.
It depends on the plan. Some cover accidents only; others add hospitalisation from illness. We will be explicit about which one you are buying.
Get a accident & sickness quote
Tell us a little about who needs covering. We will compare the market and come back with two or three options worth considering, with the trade-offs spelled out.
- Advice and paperwork cost you nothing
- Available in English, Punjabi and Hindi
- Most quotes returned the same business day