Compare Income Protection Insurance Plans

Life Insurance

Life doesn't always go as planned. So it’s great to have a plan B, with cover for your income if you’re suddenly out of action.

With Income Protection Plus, you can choose from our Time Saver or Rate Saver options, and make sure you can keep on providing through thick and thin.

Time Saver
Overview
Our Income Protection Plus Time Saver option is a fast and easy way to protect your income if you’re out of action, with limited information required from you to get your cover started.
Eligible ages
18 to 60 to apply
Maximum income covered
Up to 85% of your income, up to $7,500 a month
Waiting period
28 days
Payout period
Choice of 6, 12 or 24 months
Out of action due to sickness or injury
Yes
Involuntary Unemployment Cover (optional)
Yes
Homemaker Cover (optional)
Yes
Permanent Disability Cover (optional)
Yes
Kids Injury Cover (optional)
Yes
Optional Holiday Injury Benefit
Yes
Proof of income required to claim
Yes
Dedicated claims manager
Yes
Refund upon cancellation
In the first 30 days
Sickness and Injury Cover expiry age (other benefits expire at age 65)
75. From 65 years of age, sickness and injury cover will be limited to $3,000 a month for inability to carry out daily living activities.
Rate Saver
Overview
Our Income Protection Plus Rate Saver option can provide a monthly payout if you can’t work due to illness, injury or involuntary redundancy, with more features and benefits.
Eligible ages
18 to 60 to apply
Maximum income covered
Up to 85% of your income, up to $10,000 a month
Waiting period
Choice of 14, 28, 60 or 90 days
Payout period
Choice of 6, 12 or 24 months, or 5 years
Out of action due to sickness or injury
Yes
Involuntary Unemployment Cover (optional)
Yes
Homemaker Cover (optional)
Yes
Permanent Disability Cover (optional)
Yes
Kids Injury Cover (optional)
Yes
Optional Holiday Injury Benefit
Yes
Proof of income required to claim
Yes
Dedicated claims manager
Yes
Refund upon cancellation
In the first 30 days
Sickness and Injury Cover expiry age (other benefits expire at age 65)
75. From 65 years of age, sickness and injury cover will be limited to $3,000 a month for inability to carry out daily living activities.