Personal Accident Insurance

Personal Accident insurance provides financial protection in the event of accidental injury, disability, or death. It is designed to offer individuals and their families peace of mind by providing financial support during challenging times. This insurance policy typically covers a wide range of accidents, including those that occur at home, work, or during leisure activities.

About a third of medical issues that prevent people from working are accident related, with the remainder due to illness.

This policy goes beyond the cover that ACC provides as it often:

includes cover for serious illness
cover if ACC does not respond
tops up ACC payments from 80% to 100% of pre-accident income

Accidents or illness can happen to anyone, regardless of age or occupation, and the financial consequences can be significant. Hummi’s agreed value Personal Accident and Illness insurance solutions provide a safety net, ensuring that individuals and their loved ones are protected financially in the event of an accident or illness, allowing them to focus on recovery and rebuilding their lives.

Hummi has appetite for unusual or difficult to place risks and occupations. Recent examples include pilots, professional athletes and sports teams, and forestry contractors.

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This policy at a glance

Product:
Personal Accident and Illness

Underwriter:
Certain Underwriters at Lloyd’s of London – lead syndicate Canopius 4444

Target Market:
Sole traders and commercial entities

Policy Term:
Annual

Why choose Hummi for Corporate Travel Insurance

Personal accident and illness insurance provides a financial lifeline if injury or illness prevents you from working, ensuring you can keep meeting everyday expenses

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ACC in New Zealand covers accidents, but not illness—this insurance fills the gap, protecting your income when health challenges strike

With cover in place, you can focus on recovery, not financial stress

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Corporate Travel Insurance Coverage Summary

Smart organisations don't leave home without Hummi onboard.

What's covered?

Weekly benefits of up to 75% of income for 2 years if you cannot work due to accident or illness
Lump sum payments for serious injury or death

Age limits

Up to age 60 without restrictions
Cover for illness up to age 70
Cover for accident only for those over 70 years old

Underwriting approach

Broad appetite for all occupations, including high risk
Ability to insure pilots, forestry workers, miners and athletes

Other information

Stand down period from 7 days to 56 days
Benefit period up to 2 years
Up to $2,500 per week benefit

Key exclusions

Pre-existing medical conditions
Other insuring clause so if ACC is paying then this cover tops up rather than pays in addition to ACC