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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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.
What is a health insurance excess?
Your excess amount is the part of your claim that you agree to pay.
Life won't give you warning when it's over. Are you covered?
Health insurance claim limits
These limits are the maximum your insurer will pay if you were to claim on a surgery.
What is the life insurance underwriting process?
The life insurance underwriting process helps insurers calculate risk.
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.
What is level life insurance and how does it work?
There are two types of life insurance cover you can apply for.
Kiwi home buyers' guide to life insurance
Buying a property is likely to be your biggest ever purchase.
Cigna New Zealand is a leading specialist provider of life insurance, funeral insurance, income protection insurance, trauma insurance and travel insurance products and services.
What is a health insurance exclusion?
Depending on your medical history you may find an exclusion on your insurance.
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.
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.
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.
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.
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.
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.
Health insurance for kids
Health insurance for children is an easy way to safeguard their future.
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.
Mortgage and income protection
Both insurance products are designed to pay you a series of ongoing payments
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
For today. For tomorrow. For life. At Fidelity Life we're proud to be the largest New Zealand owned and operated life insurer.
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.
We're working towards a healthier New Zealand, empowering all Kiwis to live healthier lives.
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.
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.
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.
Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means.
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.
How to (truly) relax and unwind this holiday season
2020 has challenged all of us in vast and unexpected ways, so you may well be looking forward to a relaxing and restorative holiday break. Ready to make the most of it, and leave behind all the 'hustle and bustle' of the year? Here's some inspiration for you.
Income Protection Insurance
This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.
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.
Does smoking affect insurance?
Smokers generally face higher insurance premiums than non-smokers
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.
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.
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.
Will New Zealand health insurance work in Australia?
Some insurance companies offer health cover in both New Zealand and Australia.
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'?
Your BMI and life insurance
Your body mass index (BMI) is an important factor when applying for life insurance.
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.
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.
When do you need life insurance?
You should review your cover every few years, particularly after major life events.
Mortgage and Living Insurance
A comfortable lifestyle is the result of hard work, it makes sense to protect it right?
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.
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.
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.
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...
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...
Does vaping affect your insurance?
Most insurance companies view cigarettes and vaping devices as the same.
How much life insurance do you need?
Knowing how much life insurance you need is essential.
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.
Who owns a life insurance policy?
The role of the owner of a life insurance policy is simple.
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
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.
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.
Health insurance for a pre existing condition
Your medical history may affect what you can get health insurance cover for.
UltraCare is a premium surgical and healthcare plan for those who want the highest level of cover.
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.
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.
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".
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.
Premium Cover is an insurance that pays your total insurance premiums if you are disabled and unable to work.
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.
Insurance company financial strength ratings
A financial strength rating expresses an insurers opinion to meet its financial obligations
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.
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.
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.
About AIA Vitality
AIA Vitality is an award-winning health and wellbeing program.
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.
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.
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.
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.
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.
Does health insurance work overseas?
New Zealand health insurance cover won`t protect you.