Define the group
Record roles, paid or voluntary status, activities, locations and participation periods. Changes in membership or duties should be reflected in the enquiry.
Skip to content01 02 03 Speak to a broker
Group Personal Accident & Sickness Insurance
Group personal accident and sickness insurance starts with a defined group of people and the purpose of the benefits. Employees, members and volunteers should be described separately rather than assumed to share the same eligibility.
Who it is for
Employers or organisations discussing voluntary group accident and sickness arrangements for a defined group.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Benefits and periods
The proposal must establish covered events, benefit amounts, waiting periods and maximum benefit periods. A personal earnings benefit is different from reimbursing an employer’s staffing costs.
Keep the purpose clear
A voluntary group arrangement is distinct from statutory workplace injury obligations and from employment-practices liability. Review existing arrangements alongside the proposed benefits.
Information for quotations
Describe eligible people, roles, paid or volunteer status, activities, locations, travel, desired benefit purpose and existing employment-related arrangements.
Limitations and exclusions to discuss
Benefits, eligibility, exclusions, waiting and benefit periods must be checked. A voluntary group arrangement does not replace statutory workplace injury obligations.
Frequently asked questions
Is Group Personal Accident the same as Workers Compensation?
No. Voluntary group benefits and statutory workplace injury obligations are different enquiries and must be assessed separately.
Are volunteers automatically included with employees?
No. Explain the group and activities, then review the eligibility and selected benefits of the proposed arrangement.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.