Get your first month of cover for free
| Maximum monthly benefit amount | Up to $12,000 (your benefit period can be 1, 2 or 5 years) |
|---|---|
| Age of entry | 19-60 |
| Residency status | Australian citizen or permanent resident living in Australia. |
| Employment status | You're working between 20 and 60 hours per week and either employed in a permanent position, or have had a consistent income for at least 2 years if employed in a non-permanent position or self employed. |
| How do I apply? | Online or over the phone |
Ezicover Income Protection is designed for people who have or expect to have financial commitments that they would be unable to pay if they could not work and earn an income due to sickness or illness.
You can apply if:
Income protection can be super valuable for when times get tough. Learn the basics with our beginners guide.
Looking to protect your income in case of a serious accident or illness? Consider getting combined sickness and accident insurance.
Find out why income protection is an important tool to combine with your entitled sick leave.
Does income protection provide the same thing as mortgage protection? Read on and compare.
Find out how you can benefit from income protection even if you have a pre-existing condition, and which providers will cover you.
One of the benefits of income protection insurance is that you may have the ability to claim a tax deduction on your premium benefits. Find out if the same rules apply for policies inside super.
Life insurance and income protection serve two different purposes but can both offer valuable cover alone and when combined.
Learn the ins and outs of salary continuance insurance so you can decide if this type of cover suits your needs.
Find out how much your income protection insurance policy will pay out in the event of a claim. Receive quotes for income protection and apply securely.
Find out what an income protection waiting period actually is and how the longer you wait can impact your premiums and benefit payments.
Will i be able to claim income protection if i get corona virus or my business closes
Hi Vanessa,
Thanks for your comment and I hope you are well.
Yes, you will be able to claim income protection for coronavirus as there are no exclusions for epidemics or pandemics in income protection policies. According to or review, your insurer promises to pay a percentage of your typical wage if you ever become too sick or injured to work. Policies will usually payout up to 75% of your regular gross income but note that this is dependent on your provider. This goes for employed or self-employed individuals. For waiting periods, Zurich has 30 days waiting period. During this time, you won’t receive any money during the waiting period, and it won’t be backdated.
In the event of loss of job due to business closure, you can contact Zurich to ask how they handle this situation. Know that your insurance company’s response this week might not be the same way it responds next month. We have a guide on how to prepare for the possibility of unemployment.
At this point in time, it’s important to review your insurance policy’s Product Disclosure Statement and terms and conditions and contact your provider for any questions you have.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki