Overview
Get a lump-sum payout or income replacement if an accident leaves you injured, disabled, or unable to work — cover that fills the gap other policies miss.
Why this cover
This cover — also known as MaxPac — protects you 24 hours a day, whether at work or away from it. Personal accident cover pays out for injury, disability, or death caused by an accident, helping cover medical bills and lost income while you recover. It's also a supplementary policy, often purchased alongside health or life insurance for broader protection.
Cover options
Accidental Death
A lump-sum payout to your beneficiaries if an accident results in death.
Permanent Disability
Compensation for total or partial permanent disability resulting from an accident, based on severity.
Temporary Disability
A weekly benefit when an accident temporarily prevents you from working.
Key benefits
Accidental Death
Pays a lump-sum benefit to your beneficiaries following accidental death.
Permanent Disability
Compensation for total or partial permanent loss of limbs or sight from an accident.
Temporary Disability
A weekly income benefit if you're unable to work temporarily.
Medical Expenses
Helps cover hospital bills, surgeries, and treatment resulting from an accident.
Hospital Cash
A daily cash benefit for each day spent in hospital following an accident.
Optional add-ons
Tailor your policy with extra layers of protection for a small additional premium.
Last Expenses
Helps with funeral costs following accidental death.
Artificial Appliances
Cover for approved items such as crutches and other appliances needed after an accident.
What's not covered
Illness or natural causes of death
Self-inflicted injury
Injury while under the influence
Pre-existing disabilities
How to apply
- 1
Choose your preferred level of cover with a Cush advisor.
- 2
Receive a quotation based on your selected benefits and sum assured.
- 3
Complete the application/proposal form.
- 4
Provide the required documentation.
- 5
Cush submits the application to the insurer for processing.
- 6
Once approved and paid, your cover becomes active according to the policy terms.
Who it's for
Common terms
Injury that permanently affects your ability to work or function, rated by severity according to medical and policy assessment.
Injury caused solely by a sudden, unexpected, external event.
Why Get Personal Accident Cover Through Cush?
We compare options across trusted underwriters, explain exactly what's covered, and stay with you from your first quote through to claim settlement.
