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

Ezicover Income Protection

Provided by Zurich Australia

Do you know how you'll pay your bills and expenses if you temporarily stop work because of an accident or illness? Ezicover Income Protection pays you a monthly benefit comprising up to 70 per cent of your pre-disability income (maximum $12,000 per month) for a specified period so you can focus on your recovery. Plus, the first month’s premium is free for all Ezicover applicants.disclaimer

Visit Zurich for more information and to get a quote today.

Get started

Why income protection is important

Income protection insurance, sometimes known as income insurance, is designed to replace part of your income to make sure money is still coming in, even if you can’t work. Generally, income protection insurance can provide you with up to 70 per cent of your regular income for a specified period of time – called the benefit period. The amount you receive each month is based on the income you earned over the previous 12 to 24 months.

In some circumstances - yes. If your policy sits outside of your super fund, you may be entitled.  The Australian Taxation Office (ATO) states that if you take out a policy from an approved Australian provider, you can claim the cost of premiums you pay for insurance against the loss of your income. 

However, you should seek tax advice that is specific to your personal circumstances from a tax adviser or registered tax agent before assuming you will be able to make a tax deduction.

If you’re forced to take time off work because of illness or injury, you may struggle to pay for everyday expenses such as your mortgage, rent, groceries or school fees. Income protection insurance provides you with regular payments to help meet these expenses.

You can increase or decrease your amount of cover at any time if your earnings rise or fall. To increase your income cover, you usually need to confirm:

  • your occupation, employment status and number of hours worked each week
  • your new income
  • your health status. 

If you reduce your amount of cover, benefit period or increase your waiting period, you may not be able to reverse these at a later date.

If you need to make a claim, you must notify both your employer (unless you are self-employed) and your insurer as soon as possible as there are time limits around lodging a claim. Your insurer will send you the relevant forms, and if your claim is accepted, you will be paid monthly in arrears. Your claim will also be reviewed every month to determine your ongoing eligibility. This may include you needing to provide a doctor’s report.

Being out of work for even a short period because of an accident or illness can have serious financial consequences, such as needing to sell the family home or having to take out loans to pay your bills. The monthly benefit an income protection insurance policy delivers can help you and your family stay afloat while you’re out of action – and this can help you to return to normal life quicker.

You can adapt your policy to suit your individual circumstances. For example, you can choose to pay a higher premium, so your policy starts paying out after 30 days (if you’re still unable to work), or opt to reduce your premiums by extending this period to up to 90 days. You can also select a policy that will pay a benefit for up to one, two or five years. The longer the payment period the higher the premium.

Why choose Ezicover Income Protection?

Cover up to $12,000 per month

Get a monthly payment up to 70% of your pre-disability income (maximum $12,000 per month) if you are unable to work due to sickness or injury for longer than the chosen waiting period.

Save on premiums and tax

All applicants will get the first month’s premium waived, and save 5.7% if you choose to pay premiums annually. Receive an extra 5% discount if you also have an Ezicover Life Insurance policy, and your Income Protection policy premiums can generally be claimed as a tax deduction.disclaimer

Monthly benefit up to five years

You can choose a benefit period of one, two or five years and get monthly payments up to your chosen period if you’re unable to work due to sickness or injury once your waiting period has passed.

What's covered?

Two levels of cover available

  • Sickness & Injury Cover - can pay a monthly benefit while you are disabled and unable to work in any occupation solely due to sickness or injury once your chosen waiting period has passed.
  • Injury Only Cover - can pay a monthly benefit while you’re disabled and unable to work in any occupation solely due to injury, once your chosen waiting period has passed. Additionally, this cover may still be available if you are unable to apply for Sickness & Injury cover.

What’s not covered?

Zurich won't pay a benefit or claim as a result of circumstances such as:

  • involuntary unemployment
  • an intentional self-inflicted act
  • attempted suicide, or
  • committing, being involved in, or attempting to commit a criminal offense.

Please read the Ezicover Income Protection Product Disclosure Statement (PDF 196kB) for further information, including a full list of exclusions. A copy of the Target Market Determination (PDF 51kB) for the product is available here.

Who can apply?

To apply for Ezicover Income Protection you must be aged between 19 and 60, be an Australian citizen or hold permanent resident status of Australia, and reside in Australia on a permanent basis.

You are eligible to apply for this cover type if:

  • you are employed in a permanent position and are working between 20 and 60 hours per week, or
  • you are employed in a non-permanent position or are self-employed, and have been working between 20 and 60 hours per week and with consistent income for at least the last two years.

Before taking out any type of insurance, it’s important to make sure you have the financial capacity to pay monthly premiums on an ongoing basis. Once you receive a quote, consider if it fits into your budget and that premiums will generally increase each year as you get older.

If you’re ready it takes 30 seconds to get a quote with Zurich.

Get started

Our partnership with Zurich

We've partnered with Zurich who is one of Australia's largest and most experienced life insurers. Zurich covers more than 1.5 million Australians and is part of the Zurich Insurance Group that has more than 145 years' experience in insurance worldwide.

Do you have ANZ Income Protection?

We no longer offer this insurance product to new customers. However, if you’re an existing ANZ Income Protection customer you can still make a claim or check out ANZ Income Protection Product Disclosure Statement and Policy Document (PDS dated 1 June 2019) (PDF 236kB) for product information.

This PDS only applies to polices purchased after 1 June 2019.

Need to make an ANZ Income Protection claim now?

If you have ANZ Income Protection and want to make a claim or ask a question about your policy, please call 13 16 14 weekdays 9am to 5pm (AEST).

Income protection tips and guides


Income protection insurance FAQs

See the frequently asked questions about income protection including cover length, waiting periods, exclusions and costs.



Seven benefits of income protection insurance

Learn about the benefits of an income protection policy, what the protection offers, how you can use it, and tax considerations.



Is income protection tax deductible?

Find out how the costs directly related to you being able to earn an income are allowable as a tax deduction.



Track your spending and stay on top of your money

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


Get your income protection sorted now

Get a quote and apply

Visit Zurich to get a quote today – it only takes 30 seconds.

Get started

Talk to us

We're available to chat at a time that suits you.

Call 13 16 14

Monday - Friday, 9am - 5pm (Sydney/Melbourne)

Income protection FAQs

Read our commonly asked questions about income protection.

Read our FAQs


This information is current as at date of publication and is subject to change.

The issuer of this information is ANZ. While ANZ has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, ANZ does not accept any responsibility or liability arising from your use of this information.

The Ezicover insurance products described on this website are issued by Zurich Australia Limited (Zurich), ABN 92 000 010 195, AFSL 232510 of 118 Mount Street, North Sydney, NSW 2060. Ezicover is a registered trademark of Zurich. ANZ has entered into a long-term strategic alliance agreement with Zurich. The content on this page relates to policies issued from 27 September 2021 under the Ezicover Income Protection Product Disclosure Statemen (PDF 199kB) (PDS). Please read the PDS and Target Market Determination (PDF 51kB) before applying. If you buy a Zurich Ezicover policy ANZ receives 20% commission (excluding government charges) of your insurance premium.

The above content relates to policies issued from 1 June 2019 under the ANZ Income Protection Product Disclosure Statement and Policy Document (PDF 272kB), 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 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) 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.

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.

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

Be sure to read the Ezicover Income Protection Product Disclosure Statement (PDF 176kB) to understand the types of accidents, sicknesses or injuries that are covered.


Taxation law is complex and this information is our interpretation of the law. It has been prepared as a guide only and does not represent tax advice. You should seek independent tax advice specific to your individual circumstances from a tax adviser or registered tax agent.