Crucial Insurance and Risk Advisors
Know your risks. Protect Your Business. Be Empowered.
We provide a range of Accident & Health insurance products to business, associations, not for profits and individuals.
Our products are supported by certain underwriters at Lloyds. We specialise in providing solutions for hard to place Personal Accident business.
We provide tailored Group Personal Accident / Illness Insurance solutions which can cater to group purchasing bodies which aim to provide benefits to subscribing individuals or members. Typically the Australia based insurers are selective in their risk appetite for this type of business. As the occupation or activities become more hazardous there is reduced capacity to meet clients coverage requirements. Our Lloyd’s Accident & Health binder specialises in providing capacity in these challenging areas. We work with brokers to develop solutions for these harder to place risks.
We can provide the following benefits:
Permanent Total Disablement
Ancillary Benefits such as Broken Bones, Hospitalisation Benefits, Child Assistance and the like.
Partial Total Disablement
Temporary Total Disablement which provides a weekly benefit. We offer flexible benefits including up to 100% weekly benefits and 260 week benefit period.
Personal Accident Insurance is a vital form of disability insurance cover for all individuals requiring certainty of income to meet ongoing financial requirements. Our Personal Accident & Illness Product extends to a wide range of occupations and industries including the more hazardous occupations which many brokers find harder to place with the major Australian insurers.
Our product provides coverage for Accidental Death, Permanent & Partial Disablement, Weekly Benefits (Temporary Total Disablement) and Ancillary Covers such as Broken Bones, Hospitalisation Benefits, Child Assistance and the like.
Talk to us today about how we can provide a tailored Personal Accident insurance for your client.
Our specialist facilities can accommodate sports personal accident insurance programmes for both amateur and professional sports. Our team has significant experience in designing personal accident benefits for national and state sporting associations. We provide sports Personal Accident insurance solutions with flexible benefit structures which ensure we can find a solution which meets your clients needs. Our benefits include Capital Benefits for Accidental Death and Permanent & Partial Total Disablement, Weekly Benefits and Non-Medicare Medical.
We also have extensive experience in providing aggregate deductible structures which can be managed by self-retention vehicles or insurer managed self-insurance layers.
In today’s globally connected world more and more employees are managing a workforce which is global. More and more companies now leverage their in-house expertise by creating a workforce which is on demand. This has seen the secondment of employees around the world rise dramatically and so has the need for first class global healthcare for your mobile people and their families.
Our Expatriate Medical Insurance solutions meet this need with tailored cover to suit each client we work with. Your client’s employees will have peace of mind knowing they are covered for medical expenses, dental, emergency transport and repatriation.
In addition all our clients have access to our 24/7 Assistance hotline providing valuable medical advice and emergency assistance services when you need it most
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