Accidental Death Insurance

Accidents can happen to anyone at any age.

Road accidents, poisoning, falls, drowning and choking – these are among the leading causes of accidental death in Australia.

Should you die accidentally, Budget Direct Accidental Death Insurance can pay the person/s you nominate a lump sum of up to $500,000.

What’s covered

Accidental Death Insurance covers you for deaths that are:

“...directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the death is not self-inflicted”.

Find out more

The information on this page is a summary only. For more details about Budget Direct Accidental Death Insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS).

Apply for cover

To apply for Accidental Death Insurance, you must be an Australian resident aged between 18 and 64 years (next birthday).

To find out more or to apply for cover, call us on 1800 555 048.

(Accidental Death Insurance is a standalone product you can purchase on its own or in addition to Life Cover.)

Make a claim

We understand life insurance claims can be stressful, so we try to deal with each claim as quickly, efficiently and compassionately as we can.

Make a claim on an Accidental Death Insurance policy

Frequently asked questions

Will my Accidental Death Insurance benefit amount be reduced as I age?

No – as you grow older, your benefit amount will be maintained; if you’re 64 or younger, you can even increase it, up to a maximum of $500,000.

What would be the point of having Accidental Death Insurance and Life Cover?

If you had the maximum amount of Life Cover available and wanted to provide more for your beneficiaries, Accidental Death Insurance could help you meet this goal should you die accidentally. For example, if you had $1,000,000 of Life Cover and $500,000 of Accidental Death Insurance, your beneficiaries could be paid $1.5 million (more than the maximum benefit for Life Cover alone).

How long am I covered for?

As long as you continue paying the premium, we guarantee to renew your Accidental Death Insurance until the policy anniversary following your 75th birthday (unless the cover ends sooner, for example if you make a policy-ending claim).

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Other types of cover

Accidental Death Insurance does not cover every event that could result in you being unable to work and earn an income.

As well as considering Accidental Death Insurance, you may wish to look into our other types of life insurance, including Life, Total and Permanent Disability, Trauma and Income Protection cover.

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