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If you're sole-trader or self-employed,
you too can be protected with

Accident & Sickness
Insurance Personal


Our Individual Personal Accident clients can be found in All walks of life - from journalists and aid workers overseas, to self-employed tradies and long distance truck drivers, AFA has the flexibility and first-class security to cover you while you work.

Our Individual Personal Accident Insurance is designed to provide individuals and/or sole traders with peace of mind if injured or sick within the boundaries of the scope of cover.

Our cover provides weekly income replacement when temporarily unable to work or a lump sum benefit when permanently totally disabled or due to accidental death.

Our cover can be tailored to meet the individuals and/or sole trader's specific needs, including the ability to choose the benefits and sums insured, over 25 additional benefits and a range scopes of cover - 24/7, Working Hours Only and Outside Working Hours Only.

Our cover includes a standard list of benefits and can be further tailored by selecting from the list of optional benefits to meet the business/ employees/members specific needs.

Why Personal Accident
& Sickness Insurance

Coverage Highlights

Agreed Value Weekly Benefit – up to 100% of Earnings

Indemnity Sum Insured – up to $3,500 per week

Capital Benefits up to $350,000 – referral thereafter

Flexible Waiting Periods – 7, 14, 21, 28, 45, 60 Days

Increased Benefit Periods – 52, 104 and 156 Weeks

Over 65’s cover – tailored cover up to Age 80

Business Expenses option

Competitive rates

Amateur sports covered

Off-road Motorcycling covered

NO COVID-19 restrictions

Quote Accident Health & Sickness Individual Cover now

Upload Slip

If you have an existing set of terms you would like our Underwriters to match, you can upload your slip and attachments below.

Quote & Bind

Start a quote in eBind now using AFA’s quote and bind tool, eBind. One of our Underwriters will send you terms right away.

Contact Underwriter

If you have any questions or need advice our Underwriters are ready to help you.

Personal testimonials

The relationship we have with AFA is not just a business relationship it’s a personal relationship. You know who they are and when they say they will do something, they do it.

AFA is my 'go to'

For P&A insurance, AFA is my ‘go to’. They have lots of expertise in this area. They are faster to get a quote, their quote is better and their service is very good. Smooth and hassle-free!

Tick many of the boxes

AFA continually come up in the market when compared to others. And we know they provide good service, are easy to use, so they tick many of the boxes.

E-bind is incredible

Their online system – ebind is incredible. I can do a quote with a client over the phone as opposed to sending off a quote slip to the insurer. I find that super helpful.

Book a personalised Accident
& Sickness Insurance consult.

Book a time with Anthony Porter to discuss your Personal Accident & Sickness Insurance for Individuals.