Accident cover
A broken wrist on a weekend hike
- Medical coverage
- Your health plan helps with the emergency visit, imaging and follow-up care.
- Supplemental support
- An accident policy may pay a set cash benefit you can use however you need.
Critical Illness & Accident
Extra protection for the expenses health plans do not always solve.
Health insurance pays for medical care. Supplemental accident and critical illness cover can pay you directly, helping with the costs that arrive around a hard moment.
SupportAround the moment.Cash when it matters most
The difference
Medical cover pays for care. This pays for life around it.
Two kinds of protection, designed for two different kinds of cost.
Health insurance
Medical coverage
Pays doctors, hospitals and pharmacies for covered care, after your share.
Supplemental
Financial support
Pays a set cash amount to you after a covered event, to use as you choose.
Two scenarios
Where each kind of cover helps.
Critical illness cover
A serious diagnosis mid-career
- Medical coverage
- Your health plan helps with treatment, specialists and prescriptions.
- Supplemental support
- A critical illness policy may pay a lump sum toward rent, travel or time away from work.
Beyond the bill
The expenses that follow a hard moment.
Many costs around an accident or illness are not medical at all. They are the reason supplemental cover exists.
Travel
Trips to a specialist centre, parking and accommodation for family.
Recovery time
Unpaid leave, reduced hours or time away from self-employed work.
Household disruption
Childcare, help at home and the everyday bills that keep arriving.
Decision guide
When it may be worth considering.
Supplemental cover is personal. It can be valuable in one household and unnecessary in the next. These signals suggest it deserves a closer look.
- You have a high deductible. A cash benefit can help cover your share of a large bill.
- Your savings are limited. Supplemental cover can ease the financial shock of a sudden event.
- Your family history concerns you. Critical illness cover is designed around specific diagnoses.
- Your work is physical or active. Accident cover may be more relevant to your everyday risk.
Your next step
Explore supplemental cover.
See how accident and critical illness options sit beside your medical core.