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i-Protect

i-Protect is a leading specialist in Personal Accident & Sickness insurance products.

Overview

We work closely with the mining, transport and labour hire industries. i-Protect helps business to provide benefits to their workers with relevant insurance products that are both comprehensive in coverage and affordable for them to purchase and peace of mind in the event of an injury or sickness outside of the workplace.

What is Personal Accident & Sickness Insurance?

Personal accident & sickness insurance provides lump sum and/or income replacement risks for injuries and sicknesses that occur outside of the workplace. It provides peace of mind that you will be able to continue meeting your financial obligations in the event of an injury or sickness.

What are the key benefits of i-Protect that make this appealing to individuals?

Cover is Worldwide and is available 24 hours, 7 days per week
A simple application form is complete
Weekly Benefits payable
Weekly Benefit Selection available (up to a maximum of 85% of Gross Pre-Tax Income) capped at a limit of $3,000 per week
Maximum Weekly Benefit period is 104 weeks (reducing to 52 for injuries only after age 65 up to age 70)
Workers Compensation top up of up to $400 is available for Queensland and New South Wales works only
Covers people that play sport – as long as sport income doesn’t exceed more than 25% of wages. Injuries sustained from any code of football do have a 28 day excess
Includes an accidental death & funeral benefit plus other relevant benefits.

Why is this product appealing if you are an employer?

You are offering income protection to your workers
It stops non work related claims being put onto workers comp policies
You are not paying for this
Employees pay for this via direct debit on a weekly, fortnightly or monthly basis
It should be given to existing workers and also included as a part of new workers on boarding
There is no administrative burden on payroll
Can be used as a recruitment tool – “we provide our workers with access to income protection insurance”