Accident & Health

Epsilon’s Accident and Health approach is focussed on offering comprehensive, flexible and ultimately sustainable coverage and pricing solutions for medium-to-large Group Accident & Sickness schemes. Whether born of the desire to provide additional incentives and benefits to attract and retain employees and contractors, or specifically mandated within an enterprise bargaining agreement, Epsilon’s A&H policies offer a broad range of benefits that can be tailored to meet the needs of almost any group - Each policy has been carefully crafted to provide each Insured Person with financial support (e.g. replacement income) at a time when it is needed most - swiftly, compassionately and consistently delivered to your valued clients.
From 5 October 2021, Epsilon Insurance is required to provide clear and concise Target Market Determinations for each of the retail products we distribute.
Our Target Market Determination (TMD) aims to provide customers and distributors with sufficient information to understand who the product is suitable for, specify any conditions and restrictions on how the product can be distributed and determine events and circumstances that would reasonably suggest the TMD is no longer appropriate and or requires review.
Expatriate Medical & Emergency Insurance TMD PDF Group Personal Accident & Sickness TMD PDF Journey Personal Accident Insurance TMD PDF Vulnerable Customer Policy PDF

Key Features

Income protection benefits

Major benefits are payable in the form of a lump sum and/or Weekly Benefits as a result of Injury or Sickness causing permanent or temporary disablement.
  • weekly income benefits for accident and sickness
  • up to 100% of income; up to 156 weeks (3 years) benefit period
  • worldwide income protection for non-work-related injury & illness
  • Workers' compensation top-up cover and other gap cover such as TAC top-up in Victoria
  • 24/7 cover for self-employed, sole traders & contractors not covered by Workers’ Compensation
  • Journey Injury cover – loss of income & lump sum benefits in the event of an Accident to-or-from work
Lump sum death and injury benefits – resulting from an Accident

  • broken bones cover
  • accidental dental injuries
  • death or total and permanent disablement
  • impairment and serious trauma (capital benefits)
A broad range of Additional Benefits are also available

  • Personal Wellbeing - 17 different benefit categories including accidental HIV infection, rehabilitation and financial advice benefits
  • Corporate Protection - where the insured client (employer) themselves has been impacted by an injury or sickness suffered by an employee

Contact Epsilon and speak with our experienced underwriters

How to make a claim