Comminsure Income Protection

Income Protection

CommInsure life insurance products are all offered under their Protection Plan. Please refer to the Product Disclosure Statement for further details.

Overview

Income Protection pays an income stream if you are unable to work due to sickness or injury.

CommInsure offer 4 types of income protection.

Built-in benefits

The following benefits are built into the CommInsure Income Protection Plan: Features of illness

Benefits	Income Care	Income Care Plus	Business Overheads	Essential Cover
Total Disability Benefit	✓	✓		✓
Partial Disability Benefit	✓	✓		✓
Recurrent Disability Benefit	✓	✓		✓
Medical Professionals Benefit	✓	✓		✓
Reward Cover Benefit	✓	✓	✓	✓
Rehabilitation Benefit	✓	✓		✓
Unemployment Cover Benefit	✓	✓		✓
Rehabilitation Expenses Benefit		✓
Accommodation Benefit		✓
Family Support Benefit		✓
Home Care Benefit		✓
Bed Confinement Benefit		✓
Transportation Benefit		✓
Overseas Assist Benefit		✓
Specific Injuries Benefit		✓
Crisis Benefit		✓
Death Benefit		✓
Business Overheads Cover Benefit			✓
Waiver of premium while on claim	✓	✓	✓	✓
Cover while unemployed or on leave	✓	✓		✓
Waiver of premium if unemployed	✓	✓		✓
Waiver of premium if on maternity leave	✓	✓		✓
Waiver of waiting period for specific conditions	✓	✓		✓
Indexation	✓	✓	✓	✓
Guaranteed insurability	✓	✓		✓
Flexibility to reduce waiting period	✓	✓		✓
Extended Cover	✓	✓		✓
Interim Accident Cover	✓	✓	✓	✓

Overheads Essential Cover

Benefits at an additional cost

The following benefits can be added to the CommInsure Income Protection Plan at an additional cost: