AXA Income Protection
AXA life insurance products are all offered under AXA’s Elevate Insurance Solutions. Please refer to the Product Disclosure Statement for further detail.
Overview
Income protection insurance can provide you with a replacement income stream if you are unable to work due to sickness or injury. You are able to insure up to 75 per cent of your income at the time of purchase.
AXA offer the following income protection insurance products:
- Income Insurance Plan
- Income Insurance Plus Plan
- Income Insurance Premier Plan
- Income Insurance Senior Professionals Plan
Built-in benefits
The following benefits are built into the AXA Income Protection Insurance Plans:
Benefits |
Income |
Income Insurance Plus Plan |
Income |
Income |
Total disability |
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Partial disability |
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Specific injuries and sickness |
Yes |
Yes |
Yes |
Yes |
Nursing care |
Yes |
Yes |
|
|
Rehabilitation expenses |
Yes |
Yes |
Yes |
|
Rehabilitation programme |
Yes |
Yes |
|
|
Death benefit |
Yes |
Yes |
|
|
Recurring disability |
Yes |
Yes |
Yes |
|
Unemployment premium waiver |
Yes |
Yes |
|
|
AIDS Cover |
Yes |
Yes |
Yes |
Yes |
Blood Borne Diseases |
Yes |
Yes |
Yes |
Yes |
Endorsed Agreed Value |
Yes |
Yes |
Yes |
Yes |
Overseas Assist Benefit |
No |
Yes |
Yes |
Yes |
Pregnancy Premium Waiver Benefit |
Yes |
Yes |
Yes |
Yes |
Retaining Benefit |
Yes |
Yes |
Yes |
Yes |
Return to Work Benefit |
No |
Yes |
Yes |
Yes |
Continuation of Cover beyond age 65 |
No |
No |
Yes |
Yes |
Income Update Benefit |
Yes |
Yes |
Yes |
Yes |
Death Benefit |
Yes |
Yes |
Yes |
Yes |
Premium & Cover Suspension Benefit |
No |
Yes |
Yes |
Yes |
Automatic Increase Benefit |
Yes |
Yes |
Yes |
Yes |
Premium Waiver Benefit |
Yes |
Yes |
Yes |
Yes |
Elective Surgery Benefit |
Yes |
Yes |
Yes |
Yes |
Specific Injury Benefit |
No |
Yes |
Yes |
Yes |
Payments Whilst Overseas
|
Limited to 3 months whist you remain outside Australia and NZ |
Limited to 3 months whist you remain outside Australia and NZ |
No Limit
|
No Limit
|
Benefits at an additional cost
The following benefits are available at an additional premium cost. For a detailed explanation of these optional benefits, please refer to the Product Disclosure Statement.
Optional Benefits |
Income Shield |
Income Protector |
Income Advantage |
Extras Package |
No |
Yes |
Yes |
| – Accommodation Benefit | No |
Yes |
Yes |
| - Bed Confinement Benefit | No |
Yes |
Yes |
| - Crisis Benefit | No |
Yes |
Yes |
| - Family Assist Benefit | No |
Yes |
Yes |
| - Transportation Benefit | No |
Yes |
Yes |
| - Unemployment Benefit | No |
Yes |
Yes |
Accidental Injury Option |
Yes |
Yes |
Yes |
Accidental Injury Plus Option |
Yes |
Yes |
Yes |
Increasing Claim Option |
Yes |
Yes |
Yes |
Extended Waiver of Premium Option |
No |
Yes |
Yes |
Booster Option |
Yes |
Yes |
Yes |
Recovery Booster Option |
Yes |
Yes |
Yes |
Booster Plus Option |
Yes |
Yes |
Yes |
Needlestick Option |
No |
Yes |
Yes |
SuperSaver Option |
Yes |
Yes |
Yes |
AXA Customer Service – 132 987
AXA Product Disclosure Statement – PDS
AXA website – www.axa.com.au
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