At a glance:

  • The situations where you can get an accidental death insurance quote online.
  • The reason why you cannot consider natural death as an accident is so as to claim an accidental death insurance policy.

You can neither predict an accident nor its outcome. Accidental death insurance pays out only when the insured person dies from an injury only. It differs from life insurance, which generally contributes to the insured person’s death by any cause.

An accidental death should be the result of physical harm, exclusively and directly caused by an abrupt, violent, and external source.

You can now buy accidental death insurance online to protect your family in the future. Let’s see the situations where you can claim accidental death insurance in Australia:


A car accident:

Owing to the unforeseen death, the candidate receives the full amount of the insurance policy. Some companies even provide tax-free benefits upon conditions.


Fire-related deaths:

Fire-related deaths include burns, asphyxiation, or falling objects in the fire. In all these situations, people can claim accidental death insurance. The majority of insurers offer this as an additional coverage option that covers potential death or dismemberment brought on by burns (that are caused by chemicals, fire, etc).


Murder and Falls:

You can claim accidental death insurance online due to murder. The death certificate must be submitted with the FIR and post-mortem report. However, a police investigation will verify if the nominee died in a murder or not.

Other situations like falling from a building, rooftops, slipping in bathrooms, or even from staircases come under this policy.


Industrial accidents:

Death benefits are important for those who work in or around hazardous environments like industries etc. These people can claim accidental death insurance when death happens due to an explosion, mining accident, equipment malfunction, and other work-related mishapsbut usually only when the incident occurs in Australia.


Air, train, or water transport accidents:

A smooth and safe journey depends on various secondary factors like the health condition of drivers, the situation of the vehicle, etc. Hence the claim for travel accidents through airways, railways, and waterways is allowed.


Pedestrian accidents:

The main causes of pedestrian accidents are

  • Violating the right-of-way and being on a road that restricts pedestrians.
  • Crossing a road or a junction carelessly
  • Standing, lying, having fun, or working on the road
  • Having poor eye-sight and walking in the wrong direction
  • Being affected by alcohol, drugs, or prescribed medications
  • Distractions such as mobile usage.


To wrap up:

Accidental death insurance in Australia does not cover deaths from illnesses. Some situations like stroke, and heart attack, will not be covered since these deaths are considered an “illness” and do not match the criteria of an “accident.”

You can now get accidental death insurance online quote through us. Feel free to reach out to us to help you make the right decision.

Mike Wallis

Mike has over 25 years experience, having spent his first seven years working as a Broker at Jardine Lloyd Thomson in Melbourne and in 2002 was transferred to JLT’s Accident and Health Department in London. For four years (2002 – 2005) Mike was a specialist A&H Lloyd’s Broker and during this time developed excellent relationships with the Lloyd’s A&H underwriting fraternity. In 2006 he returned to Australia in a senior broking position with overall responsibility for Placement Strategy, including the implementation of underwriting facilities and the various authorities granted by Lloyd’s. Mike was the underwriter at two specialist Underwriting Agencies prior to founding Aspect Underwriting in 2016.