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Insurance Details
Personal Sickness & Accident Insurance is designed to protect individuals against loss of income arising from injury, sickness, or disability that prevents them from working.
It provides financial support through regular benefit payments or lump sum benefits, helping individuals maintain financial stability when unexpected illness or accidents occur.
Whether you are self-employed, a contractor, or a business owner without traditional employee entitlements, Personal Sickness & Accident Insurance is a fundamental personal protection.
Cover Sections / Benefits Covered
Q&A – Common Questions
Personal Sickness & Accident Insurance is generally a simpler, short-term protection providing defined benefits, while Income Protection is a more comprehensive long-term income replacement solution.
Yes. Policies can cover injury and illness, subject to waiting periods and medical definitions.
Yes. Claims typically require medical certification confirming inability to work.
Personal accident policies vary significantly in benefit definitions, exclusions, and waiting periods.
As your broker, FRS helps you:
• Select appropriate benefit amounts and waiting periods
• Align cover with your occupation and income structure
• Compare policy wording beyond premium
• Assist with claims and insurer communication
Personal Sickness & Accident Insurance is not just about income replacement—it is about protecting your livelihood and financial independence when health issues arise.