Save 20%
On Income Protection Insurance

Policy comparisons
Major insurers compared
Instant cover available

Income Protection Comparisons

Needle-stick Injury Cover


If you are a doctor, nurse, surgeon, dentist or other medical professional, you will more than likely face regular exposure to needles, syringes and other hazards unique to your workplace.

Free Needle-stick Injury Cover for Medical Professionals

Select insurers now offer medical professionals income protection policies with needle-stick injury cover as a free built-in feature providing up to $1,000,000 of cover.

Needle-stick injury cover is generally offered as a paid optional extra on most income protection policies, or as a paid stand-alone policy.

Until recently the maximum cover available for needle-stick injury cover was $500,000. Recent updates to select policies have seen this cover increased to a maximum of $1,000,000.

What does Needle-stick Injury Cover protect you for?

Needle-stick injury cover can provide a lump-sum benefit if you are infected with one of the following during the course of your normal occupation:

  • Human Immunodeficiency Virus (HIV)
  • Hepatitis B
  • Hepatitis C

When will you be covered?

You will generally be eligible for a needle-stick injury benefit if you contract one of the above diseases as the result of an accident experienced during the course of your normal occupation. Accidents that can lead to the contraction of one or more of the above diseases include:

  • Sharps accidents
  • Blood splash back during surgery
  • Inhalation of blood or bone dust during surgery

How much can Needle-stick Injury Cover protect you for?

The amount that you can be insured for with needle-stick injury cover generally ranges from a minimum lump-sum benefit of $50,000 to a maximum of $1,000,000.

What you need to do if you are infected

Any accident giving rise to a potential claim must generally be reported to your insurer as soon as possible or within a specified time period, usually within 30 days of the accident occurring.

In the event of a claim on your needle-stick injury cover you will generally be required to provide your insurer with the following:

  • Proof of the occupational accident that gave rise to the infection, including an incident report and the names of any witnesses to the accident

  • Proof that the accident involved a definite source of the relevant infection

  • Proof that a new infection with either HIV, Hepatitis B or Hepatitis C has occurred within six months of the documented accident, demonstrating sero-conversion from:

                                – HIV antibody negative to HIV antibody positive
                                – Hepatitis C antibody negative to Hepatitis C antibody positive
                                – Hepatitis B surface antigen negative to Hepatitis B surface antigen positive

  • Access to test independently all the blood samples used.


When a benefit will not be paid

Your insurer will generally not pay your needle-stick injury benefit if:

  • HIV, Hepatitis B and Hepatitis C is contracted in a manner other than an accident while performing normal occupational duties

  • A medical cure is found for Acquired Immune Deficiency Syndrome (AIDS) or the effects of the HIV virus, Hepatitis B or Hepatitis C or in the event of a treatment being developed and approved which makes these viruses inactive and non-infectious.

Select insurers now offer income protection policies with needle-stick injury cover as a free built-in feature for medical professionals. If you handle needles or are exposed to blood during your normal course of occupation, call us today on 1300 135 205.