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Specific Injury Cover.Insurance that pays a lump sum amount. Payments from $10,000-$60,000

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Why do you need Specific Injury Cover?

Accidents can happen at any time and the injuries sustained can vary from minor to major, however the impact on your ability to do everyday tasks or work could be significant. Having Specific Injury Cover provides you the extra financial help that you may need during recovery.

You’ll receive a lump sum amount and it’s your choice how you use the money. For example, this could be used towards everyday costs like bills, transport, or costs to support your recovery such as equipment or specialist treatment.

Specific Injury Cover can help fill in gaps that other insurance doesn’t cover, or where ACC might not pay out. Offsets do not apply to any benefits paid under Specific Injury Cover, giving you more certainty at claim time.

Subject to terms and conditions.

I can help you select the cover for you and your budget, get in touch today.

What injuries are covered?

The table below lists the injuries covered under the Specific Injury Benefit and sums paid out.

Injuries covered because of an Accident Amount we will pay
GROUP 1
Fracture of skull, jaw
Fracture of forearm, collarbone
Fracture of wrist, hand (excluding fingers)
Fracture of kneecap
Fracture of ankle, heel
Fracture of foot (excluding the toes)
Fracture of vertebrae
Fracture of upper arm bone, shoulder blade, elbow
Partial thickness burns of 9 percent or more of the body surface area as measured by ‘The Rule of Nines’ or the Lund & Browder Body Surface Chart

2 times the sum insured $10,000
GROUP 2
Fracture of leg below the knee (tibia or fibula)
Fracture of the hip
Fracture of the leg above the knee (femur)
Fracture of the pelvis
Fracture of multiple limbs
Any Injury that the life assured had surgery under general anaesthesia for

3 times the sum insured $15,000
GROUP 3
Full thickness burns (excluding hands) to 20 percent or more of the body surface area as measured by ‘The Rule of Nines’ or the Lund & Browder Body Surface Chart
Full thickness burns to 25 percent of the face
Full thickness burns to 50 percent of the total combined surface area of both hands
Loss of the thumb and index finger of the same hand
Blindness in one eye

6 times the sum insured $30,000
GROUP 4
Loss of a limb
Blindness in both eyes
Loss of hearing in both ears
Paralysis

12 times the sum insured $60,000