Injury Conditions

Injuries are one of the most common reasons people make a personal-insurance claim. They cover everything from minor fractures and soft-tissue injuries through severe head injuries, spinal cord injuries with paralysis, multiple-trauma cases, and burns.

Some recoveries are quick; others result in permanent disability and a complete change of working life.

Income protection is the workhorse policy for most injury claims because it pays a monthly benefit during recovery. TPD cover is relevant when the injury permanently prevents you from returning to your occupation (own-occupation TPD) or any suitable occupation (any-occupation TPD). Trauma cover may include specific injury triggers such as major head injury, paraplegia, or quadriplegia, depending on the policy schedule.

Workers' compensation may also be relevant for workplace injuries, but it has gaps that personal insurance can fill, particularly for non-work injuries. Injury underwriting depends heavily on occupation: high-risk roles such as tradies, miners, and emergency-services workers are typically rated differently than office-based workers.

The pages below break down individual injury types with cost data drawn from Zurich's Cost of Care research. The information is general. To compare how cover would apply to your situation, generate an indicative quote or talk to an adviser.