Needlestick Cover
Needlestick Cover
Needlestick Cover is a specialised type of insurance designed for healthcare professionals who are at risk of accidental exposure to blood-borne diseases such as HIV, hepatitis B, or hepatitis C through needle or sharp instrument injuries. It provides a lump sum benefit if the insured person contracts a listed communicable disease as a direct result of a needlestick or sharps-related injury sustained while performing their professional duties.
This type of cover offers financial support for testing, treatment, lifestyle adjustments, and loss of income due to psychological or career impact. It is most commonly held by doctors, nurses, paramedics, dentists, and other allied health workers. Angelic Insurance provides general advice to help you compare policies tailored to your profession, with clear explanations of exclusions, eligibility, and benefits.
How It Works
If a healthcare professional contracts a covered illness due to a needlestick injury, a lump sum benefit is paid to help with medical treatment, rehabilitation, and lifestyle expenses.
Select your benefit amount
Choose a lump sum benefit, typically ranging from $50,000 to $1,000,000, depending on your risk profile and career level.
Apply based on your occupation and duties
You’ll provide professional details, including your registration, work environment, and patient contact level. Some policies may require proof of licensure or accreditation.
Pay regular premiums
Premiums are determined by your occupation, selected benefit level, and whether you engage in high-risk procedures.
Report and diagnose an eligible condition
If you suffer a needlestick injury that results in the diagnosis of a covered communicable disease (e.g., HIV or hepatitis), you can submit a claim. The claim must be directly linked to your occupational exposure.
Receive a lump sum payment
Once the diagnosis is confirmed and the claim is approved, the insurer pays the agreed lump sum to assist with medical, psychological, or professional costs.
Why You Need It?
It offers financial security and peace of mind to healthcare professionals who are at higher risk of contracting serious diseases through their work.
High Risk of Occupational Exposure
Healthcare and emergency services workers regularly handle needles, blood, and bodily fluids making accidental exposure a real risk.
Life-Altering Consequences
Contracting a serious blood-borne illness can affect your personal health, career prospects, and mental wellbeing.
Helps Fund Treatment and Adjustments
The payout can be used for ongoing treatment, counselling, income support, or even career retraining if you need to step away from your profession.
Complements Professional Indemnity
Professional indemnity protects against legal claims. Needlestick Cover protects your personal health and income if you're injured on the job.
Protects Self-Employed Health Workers
If you're a contractor or operate your own clinic, this cover provides a critical safety net not typically included in public or employer-provided insurance.
How Angelic Insurance Can Help?
Angelic Insurance offers tailored needlestick cover policies designed specifically for healthcare professionals. We work closely with clients to ensure they receive comprehensive coverage and fast claim processing in case of an incident.
Tailored to Medical Professionals
We understand the risks faced by nurses, GPs, surgeons, dentists, paramedics, and other clinical workers and we guide you through appropriate policy options.
Compare Benefit Amounts and Policy Definitions
We help you understand what’s covered (and what’s not), including differences between insurers in terms of eligible diseases and qualifying conditions.
Help with Occupation-Based Pricing
We compare premiums based on your specific field, procedures performed, and work setting so you’re not overpaying for irrelevant risks.
Support with Claims
If you experience a workplace injury and diagnosis, we help you navigate the claims process quickly and professionally.
Policy Integration
Needlestick Cover can often be bundled with your life, TPD, or trauma cover. We help structure your coverage for comprehensive protection.
Frequently Asked Questions
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