Accident &
Health insurance
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.
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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.
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Meet the Accident & Health team
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Karen Ware
National Accident & Health Manager
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Terina Ngawaka
National Senior Accident & Health Underwriter
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Boyd Hudson
Senior Accident & Health Underwriter
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Renee McEntryre
Commercial Accident & Health Underwriter
Target market determinations
Our latest target market determinations for our accident and health products are all available below. A target market determination describes who the product is appropriate for and also outlines any conditions around how the product should be distributed.
For further information regarding a product’s features, benefits, terms and conditions, please refer to our product disclosure statements and policy wordings available through the document library.
Document downloads
Financial
services guide
Target market determinations
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BizCover Individual Personal Accident target market determination PDF /
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Corporate Travel target market determination PDF /
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ExpressCover Individual Personal Accident target market determination PDF /
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Group Personal Accident target market determination PDF /
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Individual Personal Accident target market determination PDF /
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Journey Personal Accident target market determination PDF /
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Medical Expenses target market determination PDF /
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Sports Personal Accident target market determination PDF /
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Voluntary Workers Personal Accident target market determination PDF /