Accidental Injury Plan

Help protect yourself and your family against the financial costs that could occur in the event of an accident.

Receive a lump sum payout

  • Your policy can help protect you financially against a number of common specified injuries, including broken bones, dislocations and severe burns.
  • Receive a payment of up to $100,000 dependent on injury type and package chosen.
  • Spend the benefit in whichever way suits you; help cover medical bills, hire someone to help at home, pay for everyday expenses e.g. mortgage, rent, groceries.
  • If an accident results in your death within 365 days of the accident, we will pay the Accidental Death Benefit (Standard package $15,000 or Plus package $30,000) to your nominated beneficiary or your estate, unless one or more of the exclusions apply listed under when we won’t pay.

Affordable and flexible

  • You have the flexibility to choose cover under a standard package (up to a maximum $50,000 payment) or a plus package (up to a maximum $100,000 payment). Maximum payment will depend on the type of injury suffered.
  • Cover starts from $4.38 per week based on a standard package. Premiums may vary, this is based on a 18-65 year old.
  • If within 30 days of purchase you're not sure this policy meets your needs you are able to cancel and receive a full refund of any money you have paid, as long as you haven't made a claim during this time.

Straightforward claims process

  • No waiting period, payment is usually processed within 2 business days from an approved claim.

Examples of Injuries

Specified Benefit

Standard Package

Plus Package

Loss of limbs or sight



Single loss of limb or eye




Hip, pelvis (excluding sacrum) thigh shaft



Skull (excluding bones of the face or nose)



Lower leg (excluding foot), kneecap, ankle, vertebrae



Arm (including elbow, excluding wrist), sternum



Collar bone, foot (including heel, excluding toes), hand (excluding thumbs and fingers), jaw (excluding cheekbone), shoulder blade, wrist



Cheekbone, coccyx, eye socket, nose, rib or ribs, sacrum







Knee, ankle, wrist, elbow







Severe burns to more than 20% of body surface or 50% of face



Severe burns to at least 4% but less than 20% of body surface



Severe burns of hands to at least 50% of either hand surface



For more information on the details of this cover please read the Product Disclosure Statement (PDS)

Coverage in under 10 minutes

Quick & easy to purchase online or over the phone

  • No medical tests or doctors reports are required to purchase.
  • There are no health or occupation questions. All we need to know is your age, gender and what package you'd like.
  • You are covered 24 hours a day, 7 days a week, even if you are overseas (unless serving in the armed forces).
  • Fortnightly, monthly or annual premiums available at no extra cost, to suit you.
Check you're eligible

If you can answer ‘yes’ to both of these questions you are able to purchase GIO Accidental Injury Plan

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 cover in 4 easy steps

1. Get a quote
Select the package type that could suit 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.

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. Any advice on this page is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters. Before making a decision about the product you should consider the GIO Accident Injury Plan Product Disclosure Statement available from Asteron at or by calling 1800 116 336. GIO Accidental Injury Plan is issued by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron).  Asteron is authorised to use the GIO brand. TAL Direct and Asteron are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 (TAL) group of companies. If you decide to purchase or vary a financial product, PV will receive fees and other benefits, which will be a dollar amount or a percentage of the premium you pay. You can ask us for more details. The different entities of TAL and the Suncorp Group are not responsible for, or liable in respect of, products and services provided by the other.

Includes customers of both AAI Limited and Asteron Life & Superannuation Limited (Asteron) which hold GIO branded products. Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL) and is authorised to use the GIO brand.

Asteron 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

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