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Specific injury

Specific injury cover can provide a specified payment for an injury listed in the policy, even where you may not meet a broader income-protection claim definition. The particular injury, severity, exclusions and benefit amounts must match the wording.

Start a conversationWhat to consider

Personal insurance advice: Operating under IFO Peace of Mind Advice Limited.

What we can explore

  • The list of injuries and benefit schedule
  • What triggers a qualifying claim
  • Exclusions and restrictions
  • Overlap with health and other protection policies

Questions you may have

What is specific injury insurance designed to do?

It can offer a fixed payment for injuries specifically listed in the contract, such as certain fractures or other defined injuries. The payout is based on the schedule and conditions rather than any injury you might experience.

Does it replace ACC or income protection?

It can complement other support but is not a substitute for examining your wider needs. Claim triggers and benefit amounts may differ significantly from ACC and income-protection cover.

How do I compare specific injury policies?

Look at the schedule of covered injuries, definitions, any severity requirements, exclusions, payout amounts and how claims are assessed. It is worth checking for gaps and overlaps with existing policies.

How we work

We begin by understanding your needs and existing protection. Sharleen explains relevant options through the advice process operating under IFO Peace of Mind Advice Limited.

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