Accident & Sickness Cover

Get a Quote for Accident and Sickness Insurance


To obtain a proposal for Accident and Sickness Insurance please complete the following form.

We will then contact you and present you with a detailed comparison report of Accident and Sickness insurance policies from a range of insurance companies.

At CCA Financial Planners we broker the market to ensure you get the best policy at the best premium. Given our size and over 20 years experience we are able to negotiate and provide advice on the best Accident & Sickness  insurance package for you.

What's more we have special internet offers so complete the form below to get the best advice and price for you.

Additional Information To assist with your quote and determine which Insurer will provide the best terms please provide additional information or any feedback of our site and or service.
Details are only required to provide you a quote and advice. All details are kept strictly private in accordance with our privacy policy.

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Indemnity - Indemnity contracts will reduce your monthly benefit if your income has reduced since you took out the insurance policy. Therefore the amount you receive is no more than 75% of your earnings before disability. The advantage to indemnity contracts is a lower premium.

Agreed Value - Pays you a benefit based upon an agreed level of income. The insurer will pay a benefit of 75% of your income regardless of whether it decreases before disability.
Waiting Period - The waiting period refers to the time between your disability and when the insurer will begin to pay a benefit. The longer the waiting period selected the lower the premium.
Benefit Period - The benefit period refers to the how long you want to receive payments. We recommend insuring to age 65 to insure the risk of never being able to work again.
Annual Gross Income: Is the amount of money you earn for the whole year before tax is deducted.
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Sickness & Accident Insurance


Beware of cheap imitation Income protection policies like Accident and Sickness Insurance or also known as Sickness and Accident Insurance.

Accident and Sickness Insurance is similar to Income protection i.e. provides up to 75% of your monthly gross income as a benefit if you are unable to work due to sickness or injury. Although it is usually offered by general insurance companies and bundled with a business Insurance pack.

However, if the Insurance Company decides that you pose a great a risk (usually due to you just making a claim on your policy) they can elect to not offer you insurance from the next renewal date. These are known as cancelable contracts and we do not recommend these.

However, with Income protection once the policy has been underwritten and accepted the Insurer cannot cancel the cover (as long as you fully disclosed all your previous medical conditions) , even if a claim is made and or your circumstances change like a new higher risk occupation and or your health deteriorates.

Sickness & Accident Coverwas considerably cheaper to purchase, easier to obtain (as there were no medicals or health questions) and Sickness & Accident could cover certain occupations that Income Protection would not cover.

Although recently the difference in premiums between the two types of policy has significantly reduced due to a change in underwriting guidelines (Life Insurers are now willing to take on more cases and continual improvements in medical science).

For more information on either Income Protection or Sickness and Accident Cover speak to one of our advisors.

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