Personal Accident and Sickness Insurance can benefit individuals who are at risk of accidental injury or sickness that may result in disability or loss of income. This can include professionals, business owners, self-employed individuals, freelancers, and anyone who relies on their ability to work to earn a living.

Personal Accident and Sickness Insurance typically covers medical expenses, income replacement due to disability, rehabilitation costs, and other related expenses. Coverage can vary depending on the policy, but it may include benefits such as lump sum payments for permanent disability or accidental death, weekly benefits for temporary total or partial disability, and reimbursement for medical expenses incurred due to accident or sickness.

Personal Accident and Sickness Insurance and Workers' Compensation are similar in that they both provide coverage for injuries or illnesses related to work. However, Personal Accident and Sickness Insurance is typically voluntary and provides coverage outside of work, while Workers' Compensation is usually mandatory for employers to provide and only covers injuries or illnesses that occur in the workplace or are work-related.

1. You can apply for Personal Accident and Sickness Insurance by contacting an insurance broker or visiting the website of an insurance provider that offers this type of coverage, such as "Angel Insurance Broker Australia". You will typically need to provide personal information, details about your occupation and income, and any specific coverage requirements you may have. The insurance provider will then assess your application and provide you with a quote and policy details if your application is approved.