You can insure up to 75% of your gross (before tax) income. Most people insure 75% but you can protect less if you want to.

Your claim payments start after your Wait Period. A longer Wait Period lowers the costs, but you need to be confident you can get by (e.g. using savings or sick leave).

Your claim payments continue for the Payment Period you choose. A longer Payment Period costs more but gives you better longer term protection.