Accidental Death Plan

Lump sum if you die as a result of an accident - helping your family cope financially.

Receive a lump sum payout

  • Choose a cover amount from $100,000 to $500,000.
  • Receive a lump sum payment if you die as a result of an accident within 365 days of that accident.
  • Nominate up to 5 beneficiaries to receive the proceeds of your policy.
  • Increase or decrease your cover anytime by simply calling 1800 605 751
  • Renewal of cover up to 80 years of age unless cover stops earlier
How is Accidental Death different to Life Insurance?

Life Insurance

Accidental Death

Death as result of an accident

Death as result of an illness

Death as result of suicide

After 13 months into your policy

Answer Health and lifestyle questions to apply

Lump sum payout

Cover up to $1,000,000

max $500,000

Nominate 5 beneficaries

Cover to age 99

Age 80

10% cashback every three years

10% family discount

For more information on the details of this cover please read the product disclosure statement

Cover in under 10 minutes

Buy online or over the phone

  • No medical tests or doctors reports are required when you apply.
  • There are no health or occupation questions to apply for purchase GIO Accidental Death Plan. All we need to know is your age, gender and how much cover you would like.
  • Flexibility to pay your premiums either, fortnightly, monthly or annually to suit you.
  • If within 30 days of purchase, you're not sure this policy meets your needs you are able to cancel it and receive a full refund of any money you have paid, as long as you haven't made a claim.
Check you're eligible

If you can answer ‘yes’ to both of these questions you are able to apply.

1. Are you aged 18-75 years?

2. Are you a citizen or permanent resident of Australia or New Zealand who currently resides in Australia?

Get covered in 4 easy steps

1. Get a quote

Select the cover amount that best suits you

2. Enter your contact details

Name, address, phone and email

3. Purchase

Pay via direct debit or credit card

4. You're covered

24 hours a day, 7 days a week

Get a quote

Straight-forward & personal claims process

Claim time doesn’t have to mean stress time. Below is a brief summary of our simple and straight-forward claims process. For more detail, read how to make a claim and what you'll need.

1. Call Us

Call us on 13 10 10 as soon as possible after the event

2. Receive a claims pack

We will email, fax or post you a claims pack to be filled in and sent back with all requested information

3. Assessment

Our claims team will keep you updated on the progress of your claim

4. Payout

We pay claims that meet policy terms and conditions usually within 2 business days of an approved claim

Feel in control with GIO

Established since 1927

Trusted insurer for 90 years

Australian based call centres

We are here to help

Join 1.2 million Australians & New Zealanders1

Helping to look after the insurance needs of 1.2 million customers

How to apply or find out more


Get a quote and apply online in under 15 minutes

Get a quote now

Call us

Quotes / Sales / New business
Monday to Friday: 8am – 8pm AEST

Customer service / Existing policies
Monday to Friday: 8am – 6pm AEST

13 10 10

Read the PDS

For more detailed information i.e. how to make changes to your policy, when cover starts and stops, etc

Download PDS


1. Includes customers of both AAI Limited and Suncorp Life & Superannuation Limited which hold GIO branded products

GIO Accidental Death Insurance is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 (SLSL), under the brand GIO, and is distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229885 (SFS). AAI Limited ABN 48 005 297 807 (AAI) trading as GIO does not provide any financial product advice in relation to GIO Accidental Death Insurance. Any advice in this information is general advice only and has been prepared without taking into account any person’s objectives, financial situation or needs. You should consider the Product Disclosure Statement (PDS)  for GIO Accidental Death Insurance before making any decisions about whether to acquire this product.


Suncorp supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit