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Individual Personal Accident and Sickness

Accidents and illness can have a sudden and unexpected impact on your livelihood and your family. Let AHI protect what matters most to you.

You can take steps to protect against the inconvenience and financial loss that comes with being off work. AHI’s Personal Accident and Sickness policy is carefully designed to protect you and your loved
ones, so you can focus on what matters most.

If you have an accident or illness and can’t return to work, our policy can help cover the costs of your lost income and business expenses for up to two years. Or in the case of disablement or death, our policy can pay a lump-sum benefit to use however you, or your beneficiaries, choose. We can even cover you 24 hours a day, seven days a week, anywhere in the world.

So whether you’re running a small business, or a multinational one, it pays to have market-leading insurance cover on your side.

Read our case study on a sole trader that protected 80% of his income.

Best Doctors

Through our partnership with Best Doctors, you and your immediate family have access to a global network of peer nominated, world leading medical minds. Ensuring you have increased confidence about decisions affecting your health and that of your loved ones, all from the comfort of your own home.

As an AHI Personal Accident and Sickness policyholder, you can discuss your condition with the Best Doctors team and even request a second opinion, with or without an existing claim. You simply contact Best Doctors and they'll do the rest, including collecting medical records if required, spending whatever time necessary on your case, and providing expert guidance at every step. 

Why AHI?

When you choose AHI, you get an expert team of specialists dedicated to protecting what matters most to you, who will work around the clock to support you if trouble should strike. It’s the AHI advantage.

  • Our underwriting and claims performance standards are externally focused and written with your needs in mind.
  • We audit our work against our performance to ensure we’re delivering you the best possible service.
  • Our products have broader scope to suit some of the most unique needs.
  • We are a member of the Tokio Marine Group so you know you're in the safe hands of one of the world's largest insurers.

Policy Features

  • 24-hour worldwide cover option. Protect what matters most with global cover, 24 hours a day, seven days a
    week.

  • Lump-sum benefit. If the unthinkable should happen, your loved ones are protected against financial loss with a lump-sum payment depending on your level of cover.

  • Weekly benefits payment. If you’re unable to return to work, you’re supported with ongoing weekly payments for up to two years (104 weeks) after your accident or illness.

  • Broad range of occupations. AHI offers cover for a range of professions, including self-employed
    or business owners.

    *Refer to policy wordings for all terms, conditions and waiting periods

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