ACC covers you for the loss of income and medical expenses for an accident. It does not provide protection in the event of illness.
Most business owners and self employed people are automatically put on ACC Workplace or Cover Plus. Under these plans your actual ACC cover is based on your previous years taxable earnings. This may not be the most appropriate cover especially if you have a low level of taxable earnings or volatile income.
ACC CoverPlus Extra is an alternative product available only to self employed and non PAYE shareholder employees. Using this product in conjunction with private cover can often result in a reduction of ACC levies and a broader range of protection.
However there is a lot of devil in the detail and it is essential you receive good advice in all aspects of both ACC and your Private cover and how they work together.
We have substantial experience and expertise with this and can assist. Contact us for an initial consultation at our cost