Zurich Income Protection

Income Protection Insurance

Zurich Life Insurance products are all offered under their Wealth Protection Plan. Please refer to the Product Disclosure Statement for further detail.

Overview

Income Protection pays a replacement income if you can’t work because you are sick or injured. It is for anyone who relies on an income to meet living expenses.
Zurich refer to income protection as income replacement insurance.

Built-in Benefits

Income benefit
Provides an income if you are disabled and suffer a loss of income as a direct result (agreed value).

Waiver of premium
Premiums are waived while Zurich are paying your claim.

Inflation protection
Cover can increase each year.

Recurrent disability
No waiting period applies if you return to work too soon.

Concurrent disability
If you have sickness and injury, the one which pays the most benefit will apply.

Rehabilitation benefit
Extra benefits to help you get back to work sooner.

Funeral benefit
A lump sum to help with immediate expenses is payable on death.

Confined to bed benefit
Benefits are payable right away if you are disabled and confined to bed.

Elective surgery benefit
Benefits are payable if you are disabled due to elective surgery.

Specified injury benefit
Fixed benefits if you suffer from a range of specified injuries.

Special care benefit
Family assistance, personal attendant, accommodation and relocation benefits.

Interim cover
Puts some cover in place as soon as you apply.

Benefits at additional costs

The following benefits are available at an additional cost:

Increasing claims option
Benefits can increase quarterly while on claim.

Super contributions option
Cover for regular super contributions.

Lump sum accident option
Lump sum payable if you suffer a specified injury.

Day 4 accident option
Benefits during the waiting period if you are disabled due to accident.

Trauma option
Extra benefits if you suffer a specified Trauma.

Future insurability option
Increase cover without underwriting every three years.

Booster option
Extra benefits paid in the first 30 days of claim.

Family care option
Benefits can continue after your death.

Severe disability option
Additional income if you are severely disabled.

Needlestick cover option
A lump sum payable on occupationally acquired HIV, Hepatitis B or C.

Spouse cover option
Cover for your non-working spouse.

Cost-reducing options

Indemnity option
A capped income if you are disabled and suffer a loss of income as a direct result.

Basic cover option
Reduces the benefits and sets additional criteria for the income benefit.

Mental disorder discount option
Excludes cover for any mental disorder.

Zurich contact number – 131 551

Zurich Product Disclosure Statement – PDS

Zurich website – www.zurich.com.au

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