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Streamline the quote and bind process with the WebRater. 10 available products to quote now. 

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Download all our policy wordings, proposal and claims forms, and product profiles.

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Australia

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Protecting people

Your clients’ employees are their most valuable assets. We’re here to ensure they’re protected in case of illness or injury, as well as to safeguard travellers and expatriates while they’re away from home.

 

Our experienced underwriters will work with you to create a tailored policy that meets the unique needs of clients including first-time buyers and start-ups.

And with an emergency assistance team that includes medical and security response, we give them trusted help when they need it most - wherever they are in the world.

 

In the field of accident and health, we have built a market reputation as a specialist underwriting agency and market of choice. In our changing world where people risk is an ever growing and complex issue, DUAL aims to create and deliver the right products backed by specialist advice and service.

9,000+

policies transacted annually

100+

years of combined experience

$8m

paid claims per annum

Why choose DUAL

 

Flexible and agile

We’re not here to tell you what you need. We’re here to give you and your clients the protection you want.

 

Responding quickly to your needs with an agile, flexible approach, we’ll help you design a programme to suit your clients’ needs.

Deep experience

DUAL’s Australian Accident & Health (A&H) team has more than 100 years combined experience in accident and health underwriting. So however complex the risks your clients face, you can rely on us to develop innovative and effective underwriting solutions.

Instant quote and bind

Get a quote on a range of specialist A&H products today using WebRater.

AA-rated capacity

This is the Lloyds financial rating. Lloyds are now AA according to S&P, Kroll and Fitch.

DUAL Assist is available 24/7, 365, offering worldwide emergency assistance

Safeguarding travellers and expatriates while they’re away from home is a key part of the service.

 

DUAL Assist is a partnership with Australasian Assistance.

 

Wherever your clients are, you can be sure they’ll be just one phone call away from emergency medical, travel and security assistance.

Dedicated claims support from Corporate Services Network (CSN)

To ensure your clients’ claims are handled by a specialist accident and health claims team, we’re proud to partner with CSN.

 

CSN is a specialist third party claims handler with a significant track record handling A&H claims. We’re delighted to be able to offer their hard-earned experience and expertise to your clients, to make the claims process as simple and pain-free as possible.

Corporate Travel

Corporate Travel insurance safeguards the insured's business and employees when travel plans are disrupted by unexpected events. We provide comprehensive coverage and worldwide support through our emergency assistance network, DUAL Assist.

Our team is available 24/7, ready to offer global assistance whenever and wherever it's needed, ensuring peace of mind for our insured clients at all times.

Group Personal Accident

We provide businesses or organisations with flexible, tailored coverage designed to meet the specific needs of each insured. This includes protection against accidental death and disablement, loss of income due to accidental injury or illness, and other related benefits.

 

Individual Personal Accident

We provide individuals with flexible, tailored coverage designed to meet their individual needs. This includes protection against accidental death and disablement, loss of income due to accidental injury or illness, and other related benefits.

 

Journey

Our Journey personal accident coverage is designed to protect employees across all industries by providing financial protection for accidental death and injury during their commute between home and the workplace. Employers can offer this coverage to give employees peace of mind and ensure they are financially protected in the event of an accident, especially when workers' compensation does not apply in their state or territory.

The coverage includes protection for accidental death, disablement, and loss of income due to accidental injury.

Medical Expenses

Medical Expenses insurance provides coverage for persons living abroad, typically for work or study. Our policy includes in-patient, out-patient, emergency assistance with optional dental, maternity, and ancillary benefits. Repatriation is included for expatriates. It ensures employees overseas have access to essential healthcare, 24/7 medical support, offering peace of mind in the absence of the insured’s local health system such as Medicare.

 

Sports Group Personal Accident

Our policy is tailored to provide coverage for members of sports clubs, organisations, and associations while participating in sanctioned sporting activities. The coverage is customisable and may include weekly income replacement, lump sum benefits for accidental injury or death, as well as additional benefits to suit specific needs.

 

Voluntary Workers

Our Voluntary Workers insurance covers individuals who sustain accidental injuries while engaged in volunteer activities authorised by the Insured. Voluntary work involves providing unpaid services to an independent organisation for the benefit of the community.

This policy is available to charities, not-for-profits, associations, clubs, companies, or businesses and offers volunteers protection for accidental death and disablement, weekly injury benefits, and additional coverage for non-Medicare medical expenses, domestic home help, and student education assistance.

Medical-prrofessional-doctor - Copy

Meet the Accident & Health team

Mel Barrett -  285 x 320

Melanie
Barrett

Head of Accident & Health

Karen Ware -  285 x 320

Karen
Ware

National Accident & Health Manager

Terina Ngawaka -  285 x 320 (2)

Terina
Ngawaka

National Senior Accident & Health Underwriter

Boyd Hudson - 285x320 (2)

Boyd
Hudson

Senior Accident & Health Underwriter

Female-285x320

Renee
McEntryre

Commercial Accident & Health Underwriter

Mel Barrett -  285 x 320

Melanie Barrett

Head of Accident & Health

Karen Ware -  285 x 320

Karen Ware

National Accident & Health Manager

Terina Ngawaka -  285 x 320 (2)

Terina Ngawaka

National Senior Accident & Health Underwriter

Boyd Hudson - 285x320 (2)

Boyd Hudson

Senior Accident & Health Underwriter

Female-285x320

Renee McEntryre

Commercial Accident & Health Underwriter