For many of us, suffering a serious injury or illness whilst at work can put you under severe financial strain. BMS are able to provide comprehensive Personal Accident coverage for individuals who:
Having a Personal Accident Policy in place will ensure financial relief in the event you suffer an unforeseen injury or become ill and you are unable to work for a period of time.
Coverage offered through BMS Group protects you 24 hours a day, 365 days a year and includes weekly benefits for temporary disability or sickness.
A dental hygienist travelling to work has a car accident, causing a broken wrist and shoulder. They typically earn $900 a week and are subsequently unable to work for 4 months until their fractures have healed and they have undergone extensive physiotherapy. The Hygienist’s Personal Accident cover responded to provide 85% of their weekly salary for the 15 remaining weeks that they were unable to work following the 7 day excess period; the total benefit paid to the dental hygienist is $11,475.00 over the 16 week period.
|Option 1||Option 2||Option 3|
|Death & Capital Benefits (lump sum benefit)||$100,000||$200,000||$300,000|
|Weekly Accident & Sickness||85% of weekly salary up to $1,000||85% of weekly salary up to $2,000||85% of weekly salary up to $3,000|
|Benefit Period||up to 104 weeks||up to 104 weeks||up to 104 weeks|
|Excess Period||7 Days||7 Days||7 Days|
|Premiums from||$600 + charges||$960 + charges||$1,440 + charges|
BMS has partnered with Accident and Health Insurance who provide access to medical advisory firm Best Doctors at no additional cost. Best Doctors provide policyholders with access to a global network of 50,000 medical specialists who can work closely with individuals to provide diagnosis, second opinions and treatment options to assist a policyholder facing any injury, illness or medical condition (whether covered by this insurance policy or not).
This service is entirely confidential, is not reported to insurers and extends to the policyholder’s children, partner, parents and in-laws.
This service can assist with many areas of medical advice, including:
In addition to specialist advice, policyholders will also receive access to an online portal to obtain everyday medical advice.
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