ANZ Home Loan Protection

What you're covered for	Life	Injury, illness and involuntary unemployment	Life, injury, illness and involuntary unemployment
A one-off payment that pays your ANZ home loan if you pass away or are diagnosed with a terminal illness with less than 12 months to live.		
Your monthly ANZ home loan repayments for up to 18 months, if you can’t work because of illness or injury.	
Your monthly ANZ home loan repayments for up to 90 days, if you become involuntarily unemployed.	

A 30-day waiting period applies for each claim after the claim event date if you are either ill or involuntarily unemployed.

• For any illness, injury or condition that is subject to a medical consultation in the 12 months before your policy starts, and this leads directly or indirectly to your death or disablement after your policy starts
• For death caused by suicide in the first 13 months of any cover
• If you’re involuntarily unemployed for the first 90 days after the policy start date
• For any illness in the first 30 days after the policy start date

You won't be covered for injury, illness or involuntary unemployment:

• If you work less than 20 hours in paid employment per week
• If you resign or retire from your job, take voluntary redundancy, your employment contract expires, or your employment is terminated because you commit wilful misconduct or take part in a strike or labour disturbance
• For any condition that results from using alcohol or drugs (except where the drugs are taken as prescribed by a medical practitioner)