A+H - Group and Individual PA
- Accident and Sickness
- Individual and group
- Any working individual or business owner
Product Overview
Accident and Health cover often sits at the heart of income protection for working Australians. A+H - Group and Individual PA by Agile Underwriting Services gives that protection for both individuals and group schemes through accident and sickness benefits.
Policyholders can combine lump sum benefits for accidental death or permanent disability with weekly income replacement during temporary disablement. Cover can apply 24/7, during working hours only, or outside working hours only, across all Australian states.
About A+H - Group and Individual PA by Agile Underwriting Services
The individual cover offers high limits for death and capital benefits, with weekly benefits available for periods up to 104 weeks. Waiting periods start from 7 days, premiums start from $750, and hazardous activities or sports can be considered on request.
Group Personal Accident options are built for varied workforces, including clerical staff, manual workers, self employed people, remote teams and member groups. Brokers can tailor sums insured and choose from more than 25 additional benefits to suit each arrangement.
A+H - Group and Individual PA by Agile Underwriting Services runs on Agile's digital platform, so quoting and binding are streamlined for brokers. Those wanting to explore fit or structure can use the product contact tools on this page to start a conversation with the underwriter.
A+H - Group and Individual PA by Agile Underwriting Services FAQs
How does this accident and sickness cover differ from standard life insurance or income protection policies?
This cover focuses on accidental death, permanent disability and temporary disablement from injury or sickness, with weekly income benefits and lump sums.
Benefits can run for up to 104 weeks, with waiting periods from 7 days and flexible scopes such as 24/7 or work hours only.
Who is A+H - Group and Individual PA by Agile Underwriting Services designed for?
The product targets working people and businesses that depend on regular income from individuals or teams. It can suit self employed people, digital nomads, clerical staff, manual workers, members and remote teams that need accident and sickness protection.
It also sits under the Individual Insurance line of business, which helps highlight its fit for personal cover needs.
What are common ways brokers tailor additional benefits for professional firms and trade businesses?
Brokers can adjust sums insured, select higher death and capital limits, and shape weekly accident or sickness benefits to match income levels.
They can also use the more than 25 additional benefits available, and choose scopes such as 24/7, working hours only or outside working hours only.
How does the inclusion of sickness benefits enhance traditional personal accident cover in this product?
Traditional accident benefits focus on injury events, while this cover adds weekly income support and lump sum options for covered sickness.
The individual accident and sickness cover offers weekly benefits for up to 104 weeks, cover for COVID, and high limits for disability linked to sickness.
What information about occupations and duties is useful when structuring A+H - Group and Individual PA by Agile Underwriting Services?
Useful details usually include the nature of work, mix of clerical and manual duties, and whether people travel or work remotely. The product can consider a wide range of occupations, including higher risk activities on request.
Accident and Health
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