Travel and Health

Personal Accident and Sickness

Protection for employees and workers against unexpected events.

What is Personal Accident and Sickness Insurance?

Personal Accident and Sickness Insurance is a form of Income protection cover that assists individuals and their families in managing the financial challenges that can result from unforeseen accidents or illnesses.

While many individuals in the UK likely possess life insurance to safeguard against the unfortunate event of the policyholder’s death, only a tiny portion of people contemplate the potential consequences of total disability and its impact on their future employability.

What does Personal Accident and Sickness Insurance cover?

Personal Accident and Sickness Insurance coverage typically includes:

  • Accidental Death Benefit: In the event of the insured individual’s death resulting from an accident, the policy provides a payout to designated beneficiaries.
  • Sickness and Illness: Compensating up to 85% of their salary while on sick leave.
  • Temporary Total Disability (TTD): If the insured cannot work due to an accident, the policy may offer benefits to replace a portion of lost income during such period.
  • Permanent Total Disability (PTD): In cases where the insured person sustains a permanent disability that prevents them from engaging in gainful employment, the policy may compensate for the loss of income.

How can DOA help?

Brokers benefit from DOA’s innovative online systems and exemplary service. Our user-friendly platform streamlines operations and our dedicated team ensures quick response times and expert guidance.

If you would like to submit an enquiry to us online and already have access to our online facilities, please click the button below to complete your enquiry (please have your username and password ready).

Online Facilities

For support, please contact:

Francesca Jones Assistant Online Account Handler 01371 705111
Work With Us If you do not already have an agency and would like to become a DOA agent, you can apply here:

 Agency Application