Specific Injury Cover
Specific injury cover provides a lump sum payment for certain defined injuries.
This type of cover is often relevant for people working in trades, transport, construction, logistics, physically demanding industries, or active lifestyles where injury risks may be higher.
Broker vs insurer
what’s the real difference?
Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you
Access to more than one insurer
We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.
Advice tailored to your life
Your cover is structured around your income, responsibilities, and future plans — not a standard package.
Cover designed to work at claim time
The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.
Ongoing support as life changes
Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.
Support when you need to make a claim
If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.
A long-term relationship, not a one-off transaction
We’re here to support you over time — not just when your policy is first set up.
Even temporary injuries can create major financial disruption
For some people, even a shorter-term injury can significantly affect income and financial stability.
- Without specific injury cover
An injury interrupts normal life
Physical injury may affect your ability to work and earn normally.
Financial pressure begins building
Income disruption may affect household stability and commitments.
Savings may need to fill the gap
Savings may begin getting used to manage recovery periods.
Recovery becomes financially stressful
Financial pressure may add stress during physical rehabilitation.
Everyday responsibilities continue
Bills, rent, mortgage, and family costs still need to be managed.
- With specific injury cover
A lump sum payment becomes available
Financial support may help reduce pressure during recovery.
Income disruption becomes more manageable
There is greater financial breathing space during time away from work.
Recovery can become the focus
There is less immediate pressure around financial survival.
Flexibility around rehabilitation increases
Support may help with recovery-related costs and lifestyle adjustments.
Financial stability is better maintained
Household commitments remain more manageable during recovery.
Frequently Asked Questions
Honest answers to help you understand life insurance before you make any decisions.
What is Specific Injury Cover and how is it different from an ACC benefit?
ACC covers treatment and basic income support. Specific Injury Cover provides an additional lump sum for financial flexibility.
What types of injuries are covered under a Specific Injury benefit?
It provides a lump-sum payment for specific injuries (e.g. loss of limb, severe burns), regardless of your ability to work.
Does Specific Injury Cover pay out in addition to TPD or Trauma cover?
Yes—this cover typically sits alongside trauma or TPD.
Is the payout a lump sum and how can it be used?
The lump sum can be used for medical costs, rehabilitation, or lifestyle adjustments.
Are there exclusions or waiting periods I should be aware of?
Yes—each policy defines covered injuries and may include exclusions.
For some people, injury risk is simply part of everyday life
Specific injury cover can help provide additional financial support for people whose work or lifestyle may expose them to greater physical risk.
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