Personal Accident & Illness



Industry Segment


Claim Description

The Insured is a 34 year old Carpenter who suffered a bulge to his lower back whilst lifting a ladder in July 2019. Doctors notes suggested that back injury was chronic in nature however the Insured advised that he had only attended his Physiotherapist and Chiropractor for muscular strains and for general “up-keep” of his back over the years.


The Insurer investigated the claim and medical records confirmed that the back consultations were related to a strain or other parts of his back. The claim was accepted and the Insured received weekly payments of $1,200 for 12 weeks.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this email is general only.  Coverage for claims on the policy will be determined by the insurer, not BizCover for Brokers, and will depend on the specific facts and circumstances involved.

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