Income Protection

Income Protection Insurance

This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.

What is Income Protection Insurance?

Your income is often your biggest asset and losing it can turn life upside down. If you're unable to work—either temporarily or permanently—because you're sick or injured, Income Protection Insurance will provide you with money to live on as a monthly payment while you're not receiving your salary or wage.

Income Protection Insurance benefits

Income support

Your family or nominated beneficiaries will receive a lump sum of money if you pass away

Rehabilitation & retraining support

Helps you with your rehabilitation and retraining costs

Recurrent disability

Pays you a monthly benefit if you suffer the same sickness or disability within a year

Return to work

Pays you a bonus benefit if you are able to return to work

Family assist

We'll pay for a nurse or family member to look after you at home for up to 6 months

Accommodation support

Pays for your family to be with you if they live more than 100km away

Disability reset

Allows you to claim again if you suffer a related sickness or injury

Elective surgery

Pays you a monthly benefit if you are disabled due to an elective surgery

Payment while overseas

Pays you a monthly benefit if you are disabled while overseas

Funeral assistance

We reimburse your family up to three times the monthly benefit for your funeral costs if you die

Grief support

Helps with the cost of professional grief support to cope with sudden changes.

Overseas assist

Reimburse you and one support person for travel back to New Zealand if disabled overseas

New parent premium waiver

We'll pay your premiums for six months while you're on parental leave

Optional benefits you can choose to include:

  • Income top-up package
  • Immediate assist package
  • Specific injury support
  • Increasing claim
  • Needlestick
  • Mental health discount
  • Redundancy cover
  • Kids cover

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

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