Cover that’s designed to take care of your customer’s people at work and home, and everywhere in between.

QBE Accident and Health Insurance isn’t like general insurance where the policy is designed to protect ‘something’. We never forget that we’re protecting ‘someone’ – a living breathing individual, with a family and loved ones. It’s why our claims process is also a ‘care’ process.

Our claims approach

  • Our experienced and dynamic team delivers proactive claims management
  • Our partnership approach is fuelled by curiosity and best-practice service
  • We proactively utilise specialist QBE and network providers to support our claims officers with return to work strategies
  • Our governance program includes regular peer and senior management file review

Return to work assistance

When appropriate and offered to customers, our injury rehab benefit may cover:

  • Professional assistance to improve the person’s physical and emotional wellbeing
  • Work task analysis to determine the need for special equipment or modifications
  • Vocational assistance
  • Personal and family counselling

We use early stakeholder intervention that:

  • Refers appropriate customers to a rehabilitation provider
  • Helps facilitate their return to work by suggesting more suitable hours or alternative duties based on the person’s capacity.

Tailored reporting

  • We consult with the customer around specific reporting requirements from day one
  • Reporting can include injury or sickness specifics, Workers Compensation financials, benefits paid and outstanding, and relevant benchmarking against similar programs

Lodging a claim

To ensure your customer’s claim proceeds as smoothly as possible, be sure to have the right information included in the claim lodgement. We have put together the following information as a guide and should assist in expediting the claim, QBE may request further information upon lodgement of the claim.

If you’ve suffered an accident or illness under a QBE Group Personal Accident policy issued through your employer, you can complete your claim online.

Loss of income, capital benefits and death claims

  • Completed and signed claim form
  • Medical reports, clinical records
  • Wages information – payslips, profit and loss statement and if self-employed, tax return statement
  • Earnings information (if medically fit to work partially)

Corporate travel claims

  • Completed and signed claim form
  • Original travel itinerary
  • Proof of loss documents depending on the claimed event (medical reports and invoices if claiming overseas medical expenses, police report if claiming stolen or lost items). Contact our claims team for more information.
  • Invoices, receipts, quotes

Expat/Inpat claims

  • Completed and signed claim form
  • Invoices/receipts for medical expenses claimed
  • Medical report (if requested) from treating doctor

Non-Medicare medical expenses (NMME) claims

  • Completed and signed claim form
  • Invoices/receipts for medical expenses claimed
  • Medicare benefits statements (for applicable claimant)
  • Medical report from treating doctor

More information and support

All claims can be submitted to accidentandhealth@qbe.com

If you have any questions speak to your claim contact or relationship manager.

Accident & Health: Protecting modern employers and their people 24/7

Workplaces are changing. Employee health and wellbeing has become more important than ever. Accident & Health insurance can protect employers and their people 24/7.

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The secret to building high performing teams

Your biggest asset is your people, so you need to take care of them. By supporting your team so they perform at their best, your business is better equipped to tackle challenges and be agile in the face of change.


Accident & Health Insurance

Cover that helps protect people, wherever they are. Our products aim to reduce the impact of accidents or sickness, helping people get their lives back on track.