Income Protection Insurance

First 30 days are complimentary, so in the first year of your policy you will only pay 11 months premium

There are two cover types, Sickness & Injury cover and Injury Only cover. If you have a medical condition or history that prevents you getting Sickness & Injury cover, Injury Only cover may be available.

Monthly payments of up to 70% of your pre-disability income, with a maximum of $12,000 per month

Choose how long the monthly benefit can be paid to you, with benefit periods of 1, 2 or 5 years available

Choose how many days you must be unable to work before you are eligible for your benefit, with waiting periods of 30, 60 or 90 days available

Insurance premiums are waived while a monthly benefit is being paid

Reducing income feature, allows the level of cover and premium payments to be temporarily reduced during period of financial hardship or special circumstances

Cover suspension feature, allows you to put your cover on hold for up to 12 months

Worldwide cover, 24/7 except where the Australian government has advised against travel to that country

Qualifying periods apply for elective, cosmetic and transplant surgery

Exclusions apply, such as self-inflicted injury, illegal activities and unemployment for other reasons not covered.