I don't know who the players are in Oz but in insurance terms what you want is disability insurance with an own occupation rider "own occ".
If you have basic disabilty insurance and you bust your leg and cannot fly but flip burgers; guess what? You get to flip burgers and they make up the difference within your policy limits.
With "own occ" if you cannot fly they pay: be prepared to submit to a lot of medicals unless you have a major disaster like loss of eyesight.
There are a bunch of minor clauses that you should consider so pm me if you want. Used to be in the game and sold a lot of this product to surgeons.
