Accidents happen when least expected. Specific Injury Cover pays a lump sum if you suffer a defined accidental injury — such as a fracture, severe burn or loss of sight. Unlike income protection, there is no waiting period and the benefit is not offset by ACC, making it an ideal complement to your existing cover.
Then this cover is worth a conversation.
The payout is calculated as a multiple of your chosen sum insured, depending on the severity of the injury. Less severe injuries attract a lower multiple, while more serious injuries — such as loss of a limb or paralysis — attract a higher multiple. The specific amounts vary by insurer and policy.
Yes — Specific Injury Cover is available as an add-on to a qualifying policy. You generally need to hold at least one qualifying cover such as Life, Trauma, TPD or Income Protection insurance. Entry ages and minimum cover requirements vary by insurer.
No — it works alongside ACC. The lump sum is paid in addition to any ACC entitlements, with no offset. It can help cover costs ACC does not pay — such as day-to-day bills, childcare costs, or home help during recovery.
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