Personal Accident Insurance

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:

  • Work as contractors
  • Are sole traders or business owners
  • Are looking for additional security to their employer’s workers compensation policy

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.

Case Study

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

Best Doctors Advice Service

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:

  • If you receive a diagnosis but want to be 100% sure it is correct
  • If you need advice on what treatment plan to follow
  • If you are looking for the best local specialist for an in-person consultation
  • If you have a medical question but want to ask a professional, not surf the web
  • If you are confused about a medical condition and need access to thorough and reliable information.

In addition to specialist advice, policyholders will also receive access to an online portal to obtain everyday medical advice.

For additional information, FAQs and case studies, please click here:


Apply for Coverage

Please complete and return the application form or call BMS today on 1800 940 762 to receive a quote for Personal Accident Insurance:

Personal Accident Insurance