Protect your business and its most valuable assets

We understand that people have a life outside of work. That’s why we offer Accident and Health insurance products that can protect them 24/7 – wherever they are.

Our products aim to reduce the impact of accidents or sickness, whilst helping people get their lives back on track. Suitable for the self-employed, businesses, sports clubs, government organisations and voluntary workers, we can also provide bespoke solutions for large employers.

The benefits can address lost earnings, non-Medicare fees and rehabilitation costs, plus provide lump sums for death and serious injuries. Many extra benefits can also be included and we can even tailor the cover to care for employees’ families.

Our policies can complement existing workers compensation schemes because salary benefits for those schemes vary across states.

For more information please contact your broker.


Why choose QBE Accident and Health insurance?

We can tailor the cover* to provide:

  • Lump sum payments for death and permanent disability
  • Weekly loss of income benefits with customisable options for percentage of pre-injury earnings and maximum benefit period
  • Recruitment costs to replace staff
  • Corporate image protection to cover the costs for engaging public relations consultants and for the release of information through the media
  • Rehabilitation benefit to cover costs for pain management therapy, vocational assistance and counselling, if rehab is considered the best option
  • Cover for medical fees that Medicare won’t cover
  • Dependent child and partner benefits
  • 24/7 emergency medical and travel assistance cover for expat, inpat and corporate travel clients
  • Cover for funeral expenses.

*Benefits listed are subject to terms and conditions. Limits and exclusions apply. To decide if this product is right for you, please refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD), available from your broker.

Dedicated Accident and Health team

  • Our specialist team is one of the most experienced in Australia
  • We listen and build bespoke policies for clients rather than enforcing a “one size fits all” approach.

Our product suite

Group Personal Accident and Sickness insurance

Group Personal Accident and Sickness insurance

Provides group cover to companies or common interest groups of any size.


Individual Personal Accident and Sickness insurance

Tailored protection for individuals or self-employed people of any trade in the event of an injury or sickness. You can cover your working hours or opt for 24-hour a day protection.

Corporate Travel

Corporate Travel insurance

Provides protection while travelling on company business anywhere in the world.

Expatriate and Inpatriate Medical Insurance

Expatriate and Inpatriate Medical insurance

Provides protection to people domiciled outside of Australia for a period in excess of 90 days, or foreign nationals who are temporarily employed in Australia.

Journey Insurance

Journey insurance

Cover for you or your people if injured while travelling between work and home.

Sports Injury Insurance

Sports Injury insurance

If you run a sports club or association this option will cover your members while they’re playing, training or officiating club activities.

Voluntary Workers Insurance

Voluntary Workers insurance

Cover for individuals or groups if they are injured while doing voluntary work.


Enterprise Bargaining Agreements Solutions

Cover designed to complement a negotiated employment contract by ensuring 24-hour protection is provided to employees.

Need to make an Accident and Health claim?

Find out more

Frequently Asked Questions

No, you can only purchase Accident and Health Insurance products through an insurance broker.
Your insurance broker. If you do not have a broker, please see our guide to finding the right broker.
Yes, but we find many clients need more than one type of policy.
Claim for weekly benefits due to injury or illness.

You can lodge a claim by submitting a claim form to our claims team via:

Find more information on our Accident & Health claims pages.

If you hold a Travel or Expatriate policy, you are overseas and require emergency assistance or medical case management, please contact our partner World Travel Protection via:

You can choose to be covered 24hrs, or outside working hours.
There is a minimum waiting period of seven days for most occupations and no waiting period for some occupations. For more information please contact your broker
Depending on the terms of your policy, you may receive benefits for 104 weeks. This can be extended depending on the policy.

Workers Compensation: Our products can provide a top up payment to workers compensation payments, depending on the policy. In most workers compensation schemes, only a percentage of the injured workers lost wage is covered. Our policy can provide a gap payment to cover the shortfall in the injured workers lost wage.

CTP: The Accident and Health product suite can provide the injured person with weekly payments to cover their lost wage if they are unable to work due to a motor vehicle accident. This depends on the state based CTP scheme as some CTP schemes do provide a weekly benefit to cover any loss of wages (e.g. NSW, VIC).

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Operate with confidence knowing you’re covered if a third party claims against you for property damage or personal injury caused by your people or products.

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Essential cover for your workers, delivered by experts. We also provide specialist training and advice to help your people and business thrive.

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Competitive Compulsory Third Party insurance for businesses across New South Wales and Queensland. We can cover everything from single vehicles through to large fleets.

Need more help? Contact your broker.