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Ezicover Income Protection

Provided by Zurich Australia

You work hard for your lifestyle, but the unexpected happens. Help protect yourself and your financial wellbeing with income protection. It’s designed to replace part of your monthly income to help cover ongoing bills and expenses, so you can focus on recovery from your illness or injuries.disclaimer

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

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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.

Why is income protection important?

How long could you get by without your income? A month – maybe three? Income protection can replace up to 75% of your pre-disability income should you be unable to work due to an accident or sickness that’s covered in your policy.disclaimer

If you have repayments to meet, dependents at home or low savings, income protection can be a worthwhile part of your financial protection plans.

Learn more about income protection

Why choose Ezicover Income Protection?

Cover up to $12,000 per month

Get a monthly payment up to 75% 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:

  • Intentional self-inflicted act or attempted suicide
  • Unemployment for reasons other than sickness or injury
  • Uncomplicated pregnancy and childbirth.

Please read the Ezicover Income Protection Product Disclosure Statement (PDF 196kB) for further information, including a full list of exclusions.

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.

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

Get started

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 (PDF 236kB) for product information.

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

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Income protection insurance FAQs

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

  

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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.

  

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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.

  

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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


 

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 29 March 2021 under the Ezicover Income Protection Product Disclosure Statement. 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.. 

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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.

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Waiting periods, qualifying periods, and terms and conditions apply.

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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.

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