Accident and Health insurance is essential to safeguard employees, contractors, and volunteers across diverse roles and industries. However, despite their importance, many people hold common misconceptions that can lead to confusion, underinsurance, or denied claims when coverage is needed most. Senior Underwriter at Delta Australia, Sophie Munsch says, “from myths about what is covered to misunderstandings about eligibility and policy terms, these false beliefs can have serious consequences,”. In this article, we’ll debunk 9 widespread misconceptions about accident and health insurance, helping brokers and their clients make more informed decisions.
“From myths about what is covered to misunderstandings about eligibility and policy terms, these false beliefs can have serious consequences,” says Sophie Wunsch.
At Delta, we understand that every client’s needs are unique, so we tailor our coverage to meet the specific risks of each client. Our underwriting process allows us to assess each risk on its own merits, ensuring that the client receives the most appropriate coverage at the right price for their situation.
While basic health insurance is important, it doesn’t cover all the risks an employee may face. Delta’s A&H products can provide coverage for business travel accidents, injuries during work-related activities, and loss of income, protecting the gaps left by their existing health insurance.
Delta’s A&H wordings are designed to be straightforward and easy to understand. Whether it’s Business Travel, Group PA, or Overseas Medical Expenses, we provide clear, simple coverage options, so your clients know exactly what’s included and how it benefits their employees.
A&H coverage isn't just for high-risk industries. Delta’s A&H wordings can be tailored to cover employees in a wide range of roles - from field workers to office staff. It’s flexible coverage that ensures all employees are protected, regardless of their job type.
Even if a client’s business doesn’t often deal with international travel, Overseas Medical Expenses and Business Travel Insurance can still provide valuable protection. It’s flexible, simple coverage that gives clients peace of mind for employees who may occasionally travel for work.
Delta’s A&H solutions are designed for a broad range of clients — from office-based businesses to NFPs — not just high-risk sectors.
We offer options for sickness benefits, cancellation expenses, overseas medical events, and more — depending on the product.
Delta aims to make A&H easy to quote, flexible to tailor, and straightforward to explain — with support at every step.
Business Travel is just one part of our A&H suite. We also offer Group and Individual Personal Accident, Journey and Volunteer options, and Overseas Medical Expenses cover.
Contact the team at Delta to discuss a comprehensive Accident and Health insurance solution tailored to meet the unique needs of your clients—our team is here to provide expert guidance and support every step of the way.
Disclaimer: The content of this article has been prepared without considering the insured’s objectives, financial situation, or needs. In addition, Delta makes no representation as to the accuracy or completeness of the content provided. Please carefully consider the appropriateness of the information, and importantly, review the full policy wording with a broker before making any decisions regarding Delta’s products. All rights reserved. No part of this article may be reproduced without Delta’s prior written consent.