skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Recover Well

Focus on your recovery, not your living costs.

Call 13 16 14

Important product information

ANZ Recover Well insurance is no longer available to new customers. Existing customers can contact 13 16 14 for information about their policy or to make a claim.

Support when you need it the most

If you're diagnosed with a covered serious illness or injury, ANZ Recover Well can mean money in your pocket to reduce the stress on you and your family. It can also help you buy the things you may need to improve your quality of life.

What's covered?

  • Apply for up to $1 million for eight serious illnesses or injuries including cancer (excluding less advanced cases) and heart attacks (diagnosed) disclaimerdisclaimer
  • Get partial payments for five other illnesses or injuriesdisclaimer
  • Apply online and get immediate coverdisclaimerdisclaimer
  • Enjoy the flexibility to increase, decrease or pause your coverdisclaimer
  • Protect your cover against inflationdisclaimer
  • Choose between Level premiums or Stepped premiumsdisclaimer

What's not covered?

The information on this page is only a summary of some of our cover and exclusions. For further information view the ANZ Recover Well – key facts sheet (PDF 123kB) which sets out some of the events covered and not covered by this policy and other information you should consider.

For a complete statement of the cover offered, exclusions, conditions and limits that apply under the policy, you should carefully read the Product Disclosure Statement (PDS) (PDF 132kB) and all policy documentation. 

Qualifying periods and eligibility requirements apply to this product including age, residency and your existing cover.

Depending on your cover, a five year pre-existing medical condition exclusion may apply to your policy. If so, this will be shown on your Policy Schedule. A 90-day qualifying period applies to selected conditions.

A pre-existing medical condition is an illness, injury or condition that, in the five years before the policy start date:

  • you were aware of, or
  • a reasonable person in the circumstances could be expected to be aware of.

We don’t pay a claim if it relates to:

  • not surviving eight days without life support after a covered condition occurs or is diagnosed
  • an intentional act or omission, for example if you harm yourself
  • war (whether or not it’s formally declared), hostilities, civil commotion or insurrection.

Add your insurance details to the ANZ App

Add insurance policies to the ANZ App so that the details are handy when you need them. 

Browse and buy a range of insurance coverage including home, contents and car.

Unfortunately, this option is not currently available to Android users but we hope to bring it to you soon.

Learn more


Use our easy claims process

We know life insurance claims come at an extremely stressful time. With support available online and over the phone, we're there for you when you need us. 

Once we've received your claim, we'll let you know if we need more information.


Make a claim 

Learn more about insurance


Life insurance FAQs

Life insurance can seem confusing, so we’ve addressed some of the big FAQs to help you choose the insurance policy that's right for you.


The benefits of life insurance

Thinking about life insurance? See the benefits and understand how your loved ones can avoid financial difficulty in times of need.



How to write a will

Have you written a will yet? Creating a will is important because it states what will happen to your estate and assets when you die.


Critical illness insurance FAQs

Want to know the difference between critical illness and trauma insurance? Find answers to frequently asked questions about critical illness insurance.


Get your critical illness insurance sorted now

Talk to us

If you have any questions our customer service team is here to help. 

Call 13 16 14

Mon-Fri 8am to 7pm (Sydney/Melbourne time)

Product Disclosure Statement

How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. 

Talk to us

Our customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. Our contact details are below. We will do our best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you are not satisfied with the response to your complaint or feedback, your concerns will be escalated to our Complaints Resolution Centre.


Visit online

OnePath feedback, compliment, and complaints form


Write to

Complaints Resolution Centre
GPO Box 7086


External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA) who provides fair and independent financial services complaint resolution that is free to consumers. 

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.The AFCA contact details are:


1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)


Write to   

Australian Financial Complaints Authority
GPO Box 3
Melbourne, Victoria, 3001

Visit online


The above content relates to policies issued from 1 June 2019 under the ANZ Recover Well Product Disclosure Statement and Policy Document (PDF 132kB) and is current as of today. Previous products (with the same name) may have different features and benefits. If you are an existing customer, please contact us if you have any questions about your cover.

ANZ Recover Well is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Recover Well Product Disclosure Statement and Policy Document (PDF 132kB) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.

ANZ Financial Planners are representatives of ANZ, the holder of Australian Financial Services Licence number 234 527.

OnePath Life has adopted the Life Insurance Code of Practice (the Code), which contains minimum standards of service that customers can expect from insurers. The Code can be found at

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527 is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of these products are not Banks. Although ANZ distributes these products and except as described in the relevant PDS, ANZ does not stand behind or guarantee the issuers or the products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

The ANZ App is provided by ANZ.  Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

The amount of Critical Illness Cover you can apply for depends on your age and gross annual income. To determine whether to accept your application for cover, we may ask you some health, occupation and lifestyle questions. The number of questions we ask you may vary depending on the level of cover you select.


These 8 covered illnesses or injuries include:

  • Burns (severe)
  • Cancer (excluding less advanced cases)*
  • Coronary artery by-pass surgery*
  • Heart attack (diagnosed)*
  • Kidney failure (end stage)
  • Loss or paralysis of limb (permanent)
  • Multiple sclerosis (diagnosed)*
  • Stroke (diagnosed)*

*A 90 day qualifying period applies.

For full definitions of the above conditions, see the ‘Glossary of Important Terms’ section of the  ANZ Recover Well Product Disclosure Statement and Policy (PDF 148kB).


The 5 covered medical conditions or injuries include:

  • Angioplasty*
  • Burns (of limited extent)
  • Carcinoma in situ (of limited sites)*
  • Diabetes mellitus adult, insulin dependent diagnosed after age 30*
  • Endometriosis (severe requiring surgical intervention)*

*A 90 day qualifying period applies

For full definitions of the above conditions, see the ‘Glossary of Important Terms’ section of the ANZ Recover Well Product Disclosure Statement and Policy (PDF 148kB).


Some specified conditions such as cancer (excluding less advanced cases), stroke (diagnosed), heart attack (diagnosed), coronary artery by-pass surgery, carcinoma in situ (of limited sites), angioplasty, endometriosis (severe requiring surgical intervention) and diabetes mellitus adult, insulin dependent diagnosed after age 30, are subject to a 90 day qualifying period for the Critical Illness Cover to be payable. Refer to the  PDS (PDF 132 kB) or by calling 13 16 14.


If a pre-existing medical condition exclusion applies, it will be referenced on your Policy Schedule. If it applies to you, a pre-existing medical condition is an illness, injury or condition that, in the 5 years before the policy start date; you were aware of, or a reasonable person, in the circumstances could be expected to be aware of.


With Premium Pause, you can put your policy on hold for up to 12 months, or 24 months if you are on parental leave. You won’t pay premiums during that time, but you won’t have cover for that same period of time or for 90 days after your premium starts again.


With Stepped premium, your cover will be raised in line with the indexation factor or 5%, whichever is more. Your premium will also rise. This increase will be subject to the maximum cover levels applicable to you. You can opt out of this increase each year or permanently.


A Stepped premium is where your premium is recalculated on the anniversary of your policy, and generally increases with age. With the Level premium option, your premiums will generally stay the same each year, unless we change the premium rates as described in the ‘We can increase your premiums with 30 days notice’ section of the PDS. From the policy anniversary after you turn 65 your premiums will revert to the Stepped premium option which will remain until your policy ends.