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Personal Accident & Health Insurance

Life’s full of surprises. But when it comes to your health and safety, it’s better not to leave things to chance.

At Co-Pilot Finance & Insurance, we’ve got your back with personal accident & health insurance that helps cover medical bills and lost income. So if the unexpected happens, you can focus on getting better, not stressing over money.

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Protect yourself and your income against injury or illness.

What is Personal Accident & Health Insurance?

Personal accident & health insurance is your financial safety net when life throws you a curveball, like an injury or illness that stops you from working. This kind of insurance steps in to help cover the cost of medical treatment, rehab and even the pay you’re missing out on while you recover.

It gives you peace of mind knowing that if things go sideways, you (and your family) won’t be left scrambling. Even better? You’re covered no matter where you are in the world, 24/7.

How Does It Work?

If you get hurt or sick and can’t work, this insurance kicks in. You just lodge a claim, and once it’s approved, the insurance company pays out based on what’s covered in your policy. That might mean a one-off payment for serious injuries, weekly payments while you’re off work, or help with medical and rehab costs. It’s designed to make life a little easier while you get back on your feet.

What Does Personal Accident & Health Insurance Cover?

Here’s what’s usually included with personal accident & health insurance from Co-Pilot:

  • Worldwide Coverage – No matter where you are, you’re covered.
  • 24/7 Protection – Accidents don’t keep business hours, and neither do we.
  • Death & Disability Benefits – Support for your loved ones if the worst happens.
  • Weekly Payments – If you’re off work, you won’t be left without an income.
  • Temporary Disability Cover – Helps replace lost income while you recover.
  • Advance Payment Guarantee – If your injury looks long-term, we’ll fast-track some of the support.
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Who Needs Personal Accident & Health Insurance?

This type of cover is a smart move for anyone who wants to protect their income and future, but it’s especially handy if you’re:

  • Self-employed – No sick leave or company perks? This is your backup plan.
  • Working in high-risk jobs – Tradies, truckies and anyone doing physically demanding work.
  • A parent or sole breadwinner – Your family relies on you; make sure they’re covered too.
  • Young and working – Even if you’re fit and healthy now, stuff happens.
  • Into active or risky hobbies – Love your mountain biking or weekend footy? Better to be safe than sorry.

Why Choose Co-Pilot Finance and Insurance for Personal Accident & Health Insurance?

We’re not just another insurer. Here’s what makes Co-Pilot Finance & Insurance a solid choice:

  • Comprehensive Cover – We don’t do one-size-fits-all. Your plan, your way.
  • Flexible Options – Tweak your policy to suit your lifestyle.
  • Friendly Support Team – Got questions? We’ve got answers (and real people to talk to).
  • Trusted by Many – We’ve been in the game for years, and we know how to look after our clients.
  • Great Value – Solid protection that won’t break the bank.
  • Always Improving – We keep things fresh, with new features and better ways to serve you.
  • You’re Covered Everywhere – Whether you’re at home, at work or overseas, your cover stays with you.

Positive feedback

See what our customer's saying

Thank you for your excellent service, I really appreciate it. You looked after me so well, I did not have to worry about a thing, and it was sorted within 3 days. So happy.
PradeepCEO
I was going to send an email but it had to be a call – thank you so much for the hard work and effort that you put in for me. The advice that you gave and I’m very appreciative of that. Thank you so much.
JonyCEO
Martin’s attention to detail, efficiency and service standards were maintained at the highest level for the settlement of my car purchase during the Christmas period.
PenelopeCEO
Thank you again. You are super professional and always go above and beyond.
NickCEO
We had a great experience with Co-Pilot, thank you for the pushing to get this over the line very quickly.
VikumCEO
You really alleviated the pressure when needed.
StefanCEO
Another job well done, your excellent service is appreciated by us.
TimothyCEO
Your patience and experience made this process very and stress free for me.
SimonCEO
I always felt like I was your only client and nothing was ever an issue.
RobCEO

5.0 Rated

☆☆☆☆☆ 4.9/5

Thank you for your excellent service, I really appreciate it. You looked after me so well, I did not have to worry about a thing, and it was sorted within 3 days. So happy.

Pradeep

@pradeep

5.0 Rated

☆☆☆☆☆ 5/5

Thank you again. You are super professional and always go above and beyond.

Nick

@nick

5.0Rated

☆☆☆☆☆ 4.8/5

Another job well done, your excellent service is appreciated by us.

Timothy

@Timothy

4.9 Rated

☆☆☆☆☆ 4.9/5

I was going to send an email but it had to be a call – thank you so much for the hard work and effort that you put in for me. The advice that you gave and I’m very appreciative of that. Thank you so much.

Jony

@jony

4.9Rated

☆☆☆☆☆ 4.8/5

We had a great experience with Co-Pilot, thank you for the pushing to get this over the line very quickly.

Vikum

@Vikum

5.0 Rated

☆☆☆☆☆ 5/5

Your patience and experience made this process very and stress free for me.

Simon

@Simon

5.0 Rated

☆☆☆☆☆ 5/5

Martin’s attention to detail, efficiency and service standards were maintained at the highest level for the settlement of my car purchase during the Christmas period.

Penelope

@Penelope

4.9 Rated

☆☆☆☆☆ 4.9/5

You really alleviated the pressure when needed.

Stefan

@Stefan

5.0 Rated

☆☆☆☆☆ 5/5

I always felt like I was your only client and nothing was ever an issue.

Rob

@rob

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65 Kimberley Road Hurstville, NSW 2220

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CP Insurance Pty Ltd trading as Co-Pilot Insurance ABN 24 679 312 460 is a Corporate Authorised Representative (No: 1312450) of McLardy McShane Partners Pty Ltd AFSL No: 232987 ABN: 14 064 465 309.

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