Our Injury and Illness cover

Injuries or illness can cause financial stress, such as loss of income and costly medical bills. Injury and Illness insurance offers protection in your time of need. 

Whether you’re an employee, contractor or business owner, a sportsperson or volunteer, we can cover lost earnings, medical and rehabilitation costs and provide lump sums for death or serious injuries. All of which can take the pressure off you and your loved ones. 

Our Injury and Illness insurance is available through brokers and QBE authorised representatives. They’ll ensure your cover works for you and if you need to make a claim, they’ll guide you through our hassle-free claims process.

Need a broker? See our guide to finding the right broker.

Which cover is right for you?

Individual Personal Accident and Illness

Small business owner, self-employed or employee – this flexible policy provides up to 100% of your lost earnings (for a specified period) or a lump sum for death or serious injuries. You can cover your working hours or opt for 24-hour a day protection.

Group Personal Accident

Group cover for companies or common interest groups. Offers all the benefits of an individual policy and more, tailored to fit the needs of your group.

Corporate Travel

Comprehensive cover while you travel on business anywhere in the world. Includes 24-hour emergency medical assistance. Can be extended to cover personal travel and family members.

Expatriate Medical

Designed to protect you and your family while you’re temporarily working abroad. Includes access to QBE Assist – a valuable source of support if you become seriously injured or ill overseas.

Inpatriate Medical

If you’re a non-resident temporarily working in Australia, we can cover you and your family for various expenses, including medical costs and getting you home if you suffer a serious injury or illness.


Injury cover for you or your people while travelling between work and home – benefits include compensation for lost earnings or lump sums for death or serious injuries (up to set limits).

Sports Injury

If you run a sports club or association this option will cover your members while they’re playing, training or representing. Offers a range of benefits, including income protection and medical and rehabilitation cover.

Voluntary Workers

Provides a wide range of benefits to individuals or groups carrying out volunteer work, including help with medical bills and loss of earnings.

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