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Supporting our customers through COVID-19 and beyond


Published 28 July 2020

As a valued ANZ life insurance customer we want to assure you that we’re here to help you get the most out of your policy. This page will be updated regularly to help you and your family during this period.

Pandemics are covered

While a pandemic is something we couldn’t have foreseen a short while ago, rest assured your policy does not have a pandemic exclusion. For more information about what is covered and excluded under different products, check your Product Disclosure Statement (PDS) and policy documents.

Get help with a claim

We’ve put measures into place to make sure that we continue to support new claims, and offer extra help for customers currently in the claims process or receiving benefits.

Make sure to have your policy number handy when making a claim. 

You can make a claim by:

Get help with premiums

If you are experiencing financial stress, there are a number of options you can consider that may help. ANZ insurance policies have flexibility built in, which means you can make changes to your cover amount and pay less in premiums to make it more affordable. It’s important you stay close to your cover and tailor it to suit where you’re at in life, taking into account your own circumstances. Now’s a good time to review your policy and make sure it’s working best for you.

Some actions to consider:

  • Check your current level of cover. Things may have changed since you took out your policy, and you can make changes to reduce premiums. Perhaps you no longer have dependants at home or have paid off the mortgage, and need less life cover?  Review your policy and decide if your level of cover needs to change.

  • Remove optional extras. Check your policy for optional extras you may have, such as optional Critical Illness cover within your ANZ Life Insurance policy.

  • Call us.  If you are experiencing financial hardship, we can help. Depending on which insurance policy you hold, you may be able to put payments on hold for up to 12 months or up to 24 months if you're on parental leave. Please call us on 13 16 14  to discuss your options.

It’s important to note if you do elect to activate Premium Pause, you will not be covered for any illness or injury that occurs in the period from the start of the Premium Pause until 90 days after it ends. Also, changing your payment frequency may affect the total premium you pay. It may cost more per annum to pay your premium in instalments. 

Find out more about ANZ life insurance

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Important information

This information was published in July 2020 and is subject to change.

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.. 

ANZ Life Insurance 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), ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF 145kB) (available online or by calling 13 16 14) before deciding whether to acquire, or 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 Income Protection covers two separate financial products – Income Cover is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) and Involuntary Unemployment and Family Care Cover are issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288 160) (OnePath General). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF 145kB) and ANZ Income Protection Product Disclosure Statement and Policy Document (PDF 272kB) (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 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  acquire, or 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 50+ Life Cover 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 479 kB) and ANZ 50+ Life Cover Product Disclosure Statement and Policy Document (PDF 208kB) (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.

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 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, these products are not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers or the products.