How to Strengthen Your Financial Safety Net with Accidental Injury Cover
Accidental Injury Cover is typically added to an existing policy, such as Life Cover or Trauma Cover, with a minimum lump-sum amount. If you already have cover in place, you may be able to add this benefit to enhance your protection and build a more comprehensive safety net giving peace of mind that your finances are protected.
Whether you're active, out and about working, or simply going about your day, this cover helps enable you to focus on recovery — knowing your finances are supported.
How It Works: Tiered Injury Categories
Injuries are classified into categories based on severity. The more serious the injury, the higher the payout:
Category 1: Minor injuries like a fractured ankle may pay 1–2× your chosen benefit.
Category 5: Severe injuries such as permanent loss of hearing in both ears may pay up to 12× your chosen benefit.
This tiered approach ensures the financial support reflects the true impact of the injury — whether it’s a temporary setback or a life-altering event.
Accidental Injury Cover is a smart, cost-effective way to enhance your protection and gain peace of mind. It’s designed to respond when you need it most — helping you recover with confidence, knowing your financial wellbeing is taken care of. Contact your Futurisk Insurance Adviser to find out more.
In New Zealand, ACC provides excellent support for a wide range of injuries. However, it may not cover every expense, and the financial impact of an injury can still be significant. That’s where Accidental Injury Cover (also known as Specific Injury Cover) comes in — offering a valuable layer of protection to help ease the burden.
With Accidental Injury Cover, you select the level of your maximum lump-sum payout, and any subsequent payout is then based on the severity of the injury, giving you confidence that your financial support will match the impact of the event. With flexible benefit levels, you can tailor your cover to suit your needs — and it’s surprisingly affordable.
Accidental Injury Cover provides a lump-sum payment for specific injuries such as fractures, burns, or the loss of limbs. For example, a hip fracture could trigger a payout of up to three times your selected benefit amount, helping cover medical costs, home support, or lost income during recovery. A lesser or more significant injury would trigger a payout of a lesser or greater amount accordingly.