Income Protection
Replace your income if illness or injury stops you from working.
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What's Included
Income protection insurance pays a monthly benefit — typically 75% of your salary — if you're unable to work due to illness or injury. Essential for self-employed Kiwis and those without sick leave.
Key Benefits
Up to 75% of income
Monthly benefit payments
Illness & injury cover
Waiting period options
Long-term cover available
Frequently Asked Questions
What does Income Protection cover?
Income protection insurance pays a monthly benefit — typically 75% of your salary — if you're unable to work due to illness or injury. Essential for self-employed Kiwis and those without sick leave.
Is Income Protection essential?
Coverage essentiality depends on your age, health status, and personal circumstances. Hospital and surgical cover is generally considered essential for most New Zealanders. A licensed adviser can help determine what's right for you.
How much does Income Protection cost?
Income Protection costs from $45 per month depending on your age, health status, and the excess you choose. Younger, healthier individuals typically pay less. You can get a personalised quote from our advisers.
Are there waiting periods?
Most health insurance policies have a 2-3 month general waiting period for new conditions. Some specific conditions like mental health may have longer waiting periods. Accidents are usually covered from day one.
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