Personal Accident & Illness
Income support when an injury or illness stops you working — for sole traders and contractors.
Personal accident & illness pays a benefit when an injury or illness stops you working — a weekly income benefit, a lump sum, or both. It's built for sole traders and contractors, where workers compensation doesn't reach and a mortgage doesn't pause. Depending on the option, it follows you on and off the job, around the clock.
What it typically covers
- Weekly income benefit — injury
- Weekly income benefit — illness
- Lump-sum capital benefits (specified injuries)
- Broken-bones benefit
- Non-Medicare medical expenses (some wordings)
- 24/7 or occupational-only options
- Nominated benefit & waiting periods
- Cover regardless of fault
Who it's for
Sole traders and contractors, self-employed tradespeople and professionals, working directors, and anyone whose income stops if they can't work.
Claims examples
How the cover responds in real situations.
A self-employed carpenter breaks a leg off the job.
How the cover responds: The weekly injury benefit replaces income through recovery, with a lump sum for the fracture on top.
A contractor is diagnosed with an illness and can't work for months.
How the cover responds: The sickness benefit pays a weekly amount for the period they're off work.
A sole trader is hospitalised after an accident.
How the cover responds: The weekly benefit responds where workers compensation doesn't apply, and non-Medicare expenses help with the gap.
What to watch
The benefit amount matching your real income; the waiting and benefit periods that suit your buffer; illness included rather than injury-only; and pre-existing conditions disclosed up front.
How Stonewell places it
We size the benefit to your income, place accident-and-illness cover (not injury-only) where it fits, and get the claim and medical evidence moving.
Ready to sort your cover?
Tell us how you operate and we'll place it across our panel — or if something has already gone wrong, lodge a claim and we'll take it from there.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.