How can I apply for cover with Zurich?

You can either apply for Ezicover income protection online or over the phone with Zurich. To qualify, you need to be aged between 19 and 60, have steady work and meet Zurich’s other eligibility criteria.

How do waiting periods work with Zurich?

Zurich offers 3 main waiting periods : 30, 60 and 90 days. A waiting period is how much time needs to pass until you get your first payment after your illness or injury stops you from working.

How many benefit periods are offered by Zurich?

With Zurich, there are 3 main benefit periods: 1, 2 and 5 years. A benefit period refers to the maximum length of time your income protection claim can be paid for. Some providers offer a longer benefit period lasting up to the age of 65 – Zurich doesn't.

What is the maximum monthly payment?

Zurich caps its monthly payment at $12,000 or 70% of your salary, whichever is lower. Its monthly limit of $12,000 is competitive with most of the market. That said, providers such as NobleOak and TAL go as high as $30,000.

What isn't covered by my income protection insurance?

Anything not covered by your insurance is known as an exclusion. Zurich's policy has a range of policy exclusions including redundancy, criminal acts and sickness arising from pregnancy. It's best to read your product disclosure statement so you understand what is and isn't covered by your policy.