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Easy to apply
It's quick and easy to apply with no medical or blood tests required, subject to pre-existing conditions.
Flexible options
Choose from one of three cover options to suit your protection needs.
Only pay for what you need
Your amount of cover will match the total outstanding balance of your ANZ loan. This means that as the home loan balance decreases each month, so does the amount of cover you pay for.
Joint policy discounts
Receive a 10% discount off your premium if you apply for a joint ANZ Home Loan Protection policy.
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. |
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Your monthly ANZ home loan repayments for up to 18 months, if you can’t work because of illness or injury. |
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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.
What's not covered?
You won’t be covered:
- 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).
Want to know the details or compare products?
Please read the ANZ Home Loan Protection Product Disclosure Statement including a full list of exclusions. A copy of the Target Market Determination for the product is below.
1. Check your eligibility
You must:
- have an eligible ANZ home loan of $30,000 to $1 million
- be 18–59 years old
- be an Australian or New Zealand citizen, or hold an Australian Permanent Residency Visa
- have no more than $1 million in total Life Benefit across all ANZ Home Loan Protection policies (including this policy)
- have lived in Australia for at least six continuous months in the past 12 months
- receive the ANZ Home Loan Protection PDS in Australia
For injury, illness and involuntary unemployment cover you must be employed in a permanent full-time job, be employed in a permanent part-time, casual, contract or temporary job for 20 hours or more per week, be self-employed for 20 hours or more per week.
Before taking out any type of insurance, it’s important to make sure you have the financial capacity to pay premiums. Once you receive a quote, consider if it fits into your budget.
2. Get in touch
Once you're ready to apply for ANZ Home Loan Protection, simply give us a call.
Are you an ANZ Mortgage Protection customer?
We no longer offer this insurance product to new customers. However, if you’re an existing ANZ Mortgage Protection customer you can still make a claim or check out ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF 155kB) for product information.
Need to make a Mortgage Protection claim now?
Make sure you have your policy number handy. You can make a claim by calling us on 1300 552 253 weekdays 8am to 5pm (AEST).
We know making an insurance claim comes at an extremely stressful time, so we’ve made the process as easy as possible. With support available over the phone from our local claims centre, we’re here when you need us most.
Need to make a claim now?
Mon to Thu 8:30am to 7:00pm (AEST)
Fri 8:30am to 5:30pm (AEST)
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This information was published on 22 September 2021 and is subject to change.
ANZ Home Loan Protection 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), Target Market Determination (PDF 68kB) and the ANZ Home Loan Protection Product Disclosure Statement and Policy Document (PDF 330kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Mortgage Protection is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) for the Life Benefit, and QBE Insurance (Australia) Ltd (QBE) (ABN 78 003 191 035, AFSL 239 545) for the Disability Benefit and the Involuntary Unemployment Benefit. We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and the ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF 222kB) (available online or by calling 13 16 14) before deciding whether to continue to hold this product.
Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee or stand behind the issuers or their 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.
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