What is income protection?
Income protection insurance cover enables you to protect your income.Read Article
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Frequently asked questions
Some frequently asked questions about income protection
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What is an income protection waiting period?
When setting up your income protection, you`ll need to choose a waiting and payment period.
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Pre-existing condition(s)? Yes, insurance may still be possible
Looking for new cover? If you have a pre-existing medical condition, you may be wondering how it may affect your new insurance application
Insurance Jargon Buster
Insurance can be tricky - we get that, especially with all the jargon. We're here to help ensure you have the information you need to make an informed choice about what insurance is right for you.
Does vaping affect your insurance?
Most insurance companies view cigarettes and vaping devices as the same.
Why get income protection insurance when we have ACC?
Many people in New Zealand tend to overlook income protection insurance, thinking ACC would step in anyway if they were unable to work. So, to cut through the confusion and help you best protect your financial future, here are some key things to know.
Health insurance for kids
Health insurance for children is an easy way to safeguard their future.
Trauma insurance and health insurance: Does it help to have both?
On the surface, health and trauma insurance have the same purpose: to provide much-needed financial support if you fall seriously ill. But if you look under the hood, you'll find that they're quite different, and depending on your needs they can actually complement one another.
AIA Total Permanent Disablement Insurance
With Total Permanent Disablement (TPD) Insurance you will get a lump-sum payment which can assist with your mortgage, covering medical expenses, modifications to your home or other bills
How insurance helps achieve peace of mind
Financial, personal and mental wellbeing - they're all interconnected. And one can argue that there's never been a time like this to take care of your overall wellbeing. So, how does insurance help? Here are some facts, stats and tips for you.
What is level life insurance and how does it work?
There are two types of life insurance cover you can apply for.
What is the life insurance underwriting process?
The life insurance underwriting process helps insurers calculate risk.
Kiwi new parents guide to life insurance
Some of your most important decisions will be about making sure you can financially care for your child.
Do you need life insurance to buy a house?
Short answer: No, you don't need life insurance to buy a house - but as a homeowner, life insurance is a very good idea. If you're hunting for your first home, here are some key things to know.
Four New Year's resolutions that can reduce your insurance premiums
New year, new you? This time of year is traditionally a moment for reflection - new beginnings, new directions, new goals. So if you're thinking about the changes you'd like to make, read on...
For today. For tomorrow. For life. At Fidelity Life we're proud to be the largest New Zealand owned and operated life insurer.
At nib, Health Comes First and we believe that health insurance should be easy to understand, easy to claim on and most of all good value.
AIA Living Family Protection
AIA Living Family Protection is designed to minimise the impact on lifestyle after your death through a monthly payment to your family, rather than a lump sum.
Have you "outgrown" your insurance?
"Change is the only constant in life" - you've probably heard this quote before. And if you're in the second half of life, chances are you've already experienced some of life's biggest changes. Children grow up and become independent, the amount you owe on your mortgage shrinks, and your last day of work gets closer.
Life & Life Income Cover
Life Cover is an insurance that pays you a lump sum if you die or are diagnosed with a terminal illness. Life Income Cover pays a monthly benefit for a period of time.
Recovering from a serious illness, injury or medical procedure takes time. Our Trauma Recovery Insurance provides you with a lump sum payment to help financially while you recover.
Income Protection Insurance
This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.
Thinking of switching or upgrading your cover?
With new solutions and promotions coming up all the time, there can be many good reasons to replace or upgrade your insurance; however knowing the potential downsides is also key.
What is a health insurance excess?
Your excess amount is the part of your claim that you agree to pay.
Who owns a life insurance policy?
The role of the owner of a life insurance policy is simple.
Pandemic Life Insurance: Key things to know
Have recent events prompted you to think about protecting yourself and your financial future from the potential impact of Covid-19? Whether you already have cover or are exploring your options for the first time, here are some key things to know.
Top tips to stay healthy during the festive season
'Tis the season to be festive, and fed. Here are some expert tips* on how to stay healthy during the festive season - to help you enjoy the celebrations, guilt-free.
Life won't give you warning when it's over. Are you covered?
Does smoking affect insurance?
Smokers generally face higher insurance premiums than non-smokers
Health insurance for a pre existing condition
Your medical history may affect what you can get health insurance cover for.
We're working towards a healthier New Zealand, empowering all Kiwis to live healthier lives.
Does health insurance work overseas?
New Zealand health insurance cover won`t protect you.
How to (truly) relax and unwind this holiday season
We hope you get to enjoy some quality time with your loved ones and friends over the holidays - you deserve it. And here are some tips to help you recharge your batteries for next year.
Insurance company financial strength ratings
A financial strength rating expresses an insurers opinion to meet its financial obligations
Common KiwiSaver mistakes to avoid
Are you invested in KiwiSaver and looking at making the most of it? As straightforward and seemingly low-maintenance as KiwiSaver is, there are some key things to watch out along the way.
Workability Insurance will help you to get back on your feet and earning again, if you're unable to work due to sickness or injury.
UltraCare is a premium surgical and healthcare plan for those who want the highest level of cover.
Mortgage and income protection
Both insurance products are designed to pay you a series of ongoing payments
QuickCover Life Insurance Policy
QuickCover is a straight forward life insurance policy that pays out a lump sum on your death or if you are diagnosed with a terminal illness (terminal illness is defined as a condition that is expected to cause death within 12 months). There are no expensive frills - just simple cover that's easy to arrange.
Five steps to winter wellness
The cold season is here, which means shorter days, cooler nights, and perhaps waning motivation. But before you go into 'hibernation mode', we collated some handy winter wellness tips from some of New Zealand's top insurers - to help you kick your immune system into gear and chase away the winter blues.
Terminal illness and life insurance cover
A good life insurance policy will pay you a lump sum amount if you get diagnosed with a terminal illness.
DHB surgery backlog: How to get faster access to care
In New Zealand, we're certainly lucky to rely on low-cost access to public healthcare, especially when it comes to emergencies. But when it comes to non-urgent care, access to treatment often involves long waits — and the pandemic has exacerbated this issue.
Accidental Death Insurance
This is quite a specific insurance for death as a direct result of an accident. Not exactly cheery stuff, but the lump sum can come in handy.
Cigna New Zealand is a leading specialist provider of life insurance, funeral insurance, income protection insurance, trauma insurance and travel insurance products and services.
AIA Living Progressive Care
AIA Living Progressive Care is an innovative trauma insurance that allows you to make multiple claims, based on the severity of your illness or injury.
When and why do I need to review my cover?
When was the last time you reviewed your cover? Many things can change in life, and sometimes, these changes happen very quickly. Whether it's a big milestone or something seemingly small, each life event can affect your finances, your goals, and insurance needs.
A New Year checklist for your insurance
Is it time to review your cover? The turn of a calendar year can be a good time to assess what you already have and what you need going forward — especially if things have changed in your life of late.
AIA Living Accidental Death
AIA Living Accidental Death is a very basic type of life insurance that simply provides a lump sum should you die as a result of an accident.
I'm young: Why would I take out health insurance?
As a young person, you're probably living in the now. The future is looming on the horizon, a kaleidoscope of seemingly endless possibilities and unique experiences, but perhaps you don't think too much about it as yet. And that's only natural. But what if we told you that health insurance is a gift you can give to 'future you'?
Protecting your biggest asset with Income Protection
First thing first, right off the bat: What's your biggest asset? Many people would say their house, their business, or their car. The reality is all these items depend on an even bigger asset: your ability to earn an income.
Health insurance for 50-plus
Some may say that life begins at 50. It's when you're most likely to reap the fruits of your hard work. A big part of your mortgage may be paid off. And if you have kids, they might be achieving their own financial independence.
What is a health insurance exclusion?
Depending on your medical history you may find an exclusion on your insurance.
Do you know what you can claim?
Claim time can be a stressful time for anyone, but it's also when the value of having insurance really comes to life. So here are some pointers to help you make the most of your cover - by knowing when to claim on it.
Premium Cover is an insurance that pays your total insurance premiums if you are disabled and unable to work.
Health insurance claim limits
These limits are the maximum your insurer will pay if you were to claim on a surgery.
About AIA Vitality
AIA Vitality is an award-winning health and wellbeing program.
Trauma Insurance: Over $110 million paid to Kiwis in just 6 months
Thinking about critical illnesses or injuries certainly isn't pleasant, but unfortunately, the unexpected can (and does) happen.
We know real life can be unpredictable. With our strong financial foundation and innovative insurance solutions, we're here to partner with you through life's up's and down's.
New Zealand's best little health insurer
Accuro is a New Zealand-owned, not for profit insurer. We put our 30,000 members before financial gain.
Slip, slop, slap - and other sun smarts
Sun damage can be prevented, if you know how. So we've combed insurance providers' websites for some sun smarts, to help you beat the rays and stay safe.
How to keep your life insurance affordable - for life
Affordability, both in the short and longer term, is a key consideration when it comes to life insurance. As you know, insurance premiums usually increase with age. They generally start at their lowest levels when you're young and then, year after year, as you age and the likelihood of claiming increase, they keep rising. But what if we told you that there's a way to fix your life insurance premiums - for life? Let us introduce you to another type of premium...
Seven steps to a happier you
To help you make mental health a priority for the rest of the year and beyond, we've collated some great tips from NZ's top insurers.
When do you need life insurance?
You should review your cover every few years, particularly after major life events.
Complete Disablement Cover
Complete Disablement Cover is an insurance that pays you a lump sum amount if you become completely disabled due to illness or injury.
Health insurance through the life stages
Young and single or retiree? Is your family growing - or are your children flying the nest? Health insurance can give you faster access to private healthcare at any stages of life.
Mortgage and Living Insurance
A comfortable lifestyle is the result of hard work, it makes sense to protect it right?
How do different options affect your life insurance premium?
We know life insurance can be overwhelming, there's so many different options that can have a material impact on your premium, so we're here to make it as easy as possible for you.
A day in the life of a good sleeper
We all know how vital a good night's sleep is: there are simply too many health benefits to mention. Sure, some people are born sleepers - (pun alert!) they can do it with their eyes closed. Others, though, not so much.
Why not get insurance advice?
Insurance is a one-of-a-kind solution. People take out cover in the hope they'll never use it, and in the meantime, what they get in return is invaluable peace of mind. It's not something anyone likes to think about; but it's also something that can benefit anyone, in times of need.
Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means.
You can't predict the future, but you can help protect yourself against it. Life Insurance can provide a lump sum of money if you die or become terminally ill.
Kiwi home buyers' guide to life insurance
Buying a property is likely to be your biggest ever purchase.
Will New Zealand health insurance work in Australia?
Some insurance companies offer health cover in both New Zealand and Australia.
Because you only live once
Life's full of ups and downs. And most of us wouldn't have it any other way. If things don't go to plan though, that's where insurance can really help.
Saving for a home? How to protect your homeownership dream
Insurance - it's not just for the milestones you've already achieved; it's also the sometimes-winding journey it takes to get there. Is homeownership on your wish list, for example? With rising prices across New Zealand, buying a first home has never been more challenging, and unfortunately, it's not getting any easier.
What's the difference between Life and Health Insurance?
On the surface, it's a bit like comparing apples and turnips. Life insurance is designed to provide a lump sum to secure your family's wealth and lifestyle if you're no longer around.
Getting cover for non-Pharmac medical treatments
Insurance is all about having flexibility and choice, and when it comes to taking care of your health, there's no such thing as "too many treatment options".
SmartCare+ is Accuro's top rated individual product for those who make their health a priority. The SmartCare range has been recommended by consumer experts for best product and price as well as highest customer satisfaction since its launch in 2008.
Your BMI and life insurance
Your body mass index (BMI) is an important factor when applying for life insurance.
Total and Permanent Disablement Insurance
This insurance provides a lump sum of money to make life a little easier if you become totally and permanently disabled.
How much life insurance do you need?
Knowing how much life insurance you need is essential.
Why you're never too young or too old for insurance
Whether you're a 25-year-old just starting out or a 55-plus-year-old nearing retirement, you're never too young or too old to take out cover. Here are some key things to consider.
Rising mortgage rates: is your cover up-to-date?
If you own a mortgaged home, you probably already know this: after years of mortgage rates heading south, the trend is now upwards. Those on a floating rate have already felt it, and for many other home owners, it's only a matter of time before fixed-rate expiry dates start rolling in, bringing higher repayment amounts.