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Types of Personal Insurance
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Health Insurance
What is it?
Insurance that pays a benefit when the person covered by the policy becomes sick.
What is the benefit?
When people say nothing is more important than your health—they‘re right. Choosing health insurance is a smart choice because it gives you the security of knowing you have protection and options should you experience a health problem.
Why would you choose this?
1. You have a greater choice of when, where and how you get treated.
2. No added stress about how to pay for the health bills.
3. Avoid long delays in waiting for treatment in the public health system.
4. Cover now for many unknown health issues that may arise in the future.
5. Access to the latest recognised medical technology and procedures.
Click here to learn more about Health Insurance with APA
Life Insurance
What is it?
Insurance that pays a benefit when the person covered by the policy dies.
What is the benefit?
A one-off cash payment is paid to the owner of the policy.
Why would you choose this?
For those who want to provide for a family or business in the event of their death, or to cover large debts such as a mortgage.
Trauma Insurance
What is it?
Insurance that pays a benefit when the person covered by the policy suffers one of the specified illnesses or injuries.
What is the benefit?
A one-off cash payment is paid to the owner of the policy. You can use the money for whatever you wish – medical treatment, rehabilitation expenses, home help, pay off debts, recruit staff, have a holiday.
Why would you choose it?
Trauma Protection may suit people who might not be able to cope financially in the event of a major trauma or injury, or those who want to take time off to recover.
Total & Permanent Disablement (TPD)
What is it?
Insurance that pays out when the person covered by the policy becomes permanently unable to work due to an illness or injury, and/or is permanently unable to perform 2 or more of the Activities of Daily Living.
What is the benefit?
A lump sum is paid to the owner of the policy.
Why would you choose it?
Disablement Protection may suit people who would suffer financially if they become permanently disabled and were never able to work again.
Income Protection
What is it?
Insurance that pays a weekly amount when you are unable to work due to illness or injury.
What is the benefit?
A weekly benefit based on up to 75% of your income
Why would you choose this?
Income Protection may suit people who will be unable to cope financially if they were unable to work for a period of time due to illness or injury, including those who may have a family, business or farm relying on their ability to provide an income.
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