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Zurich Ezicover Income Protection Review

Ezicover Income Protection can pay up to 70% of your income if you get sick or injured but it might not be suitable if you earn more than $12,000 per month.

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Pros and cons of Ezicover Income Protection


  • There's an option for injury cover only.
  • You can receive up to 70% of your income – this is the same as most income protection policies.


  • You can get up to a maximum of $12,000 per month. Some brands, such as TAL and NobleOak, offer up to $30,000.

Ezicover Income Protection: A quick summary

Maximum monthly benefit amountUp to $12,000 (your benefit period can be 1, 2 or 5 years)
Age of entry19-60
Residency statusAustralian citizen or permanent resident living in Australia.
Employment statusYou're working between 20 and 60 hours per week and either employed in a permanent position, or have had a consistent income for at least 2 years if employed in a non-permanent position or self employed.
How do I apply?Online or over the phone

What does Ezicover Income Protection cover?

  • Sickness and Injury Cover. You'll receive a monthly benefit of up to 70% of your pre-tax income if you are unable to work due to illness or injury. Your benefit period can be 1, 2 or 5 years.
  • Injury Only benefit. This provides you with a monthly benefit if you become temporarily disabled due to an injury for a longer period than your waiting period.

Additional benefits

  • You get 5% discount if you also have an Ezicover Life Insurance policy and a 5.7% discount if you pay your premium annually.
  • You can get help with your premiums during times of hardship – Ezicover offers a reducing income feature.
  • Your income protection premiums are generally tax deductible (this is the same with most income protection policies)
  • You don't need to pay premiums while you're on a claim (many insurers offer this benefit).

Who is eligible for Ezicover income protecton?

Ezicover Income Protection is designed for people who have or expect to have financial commitments that they would be unable to pay if they could not work and earn an income due to sickness or illness.

You can apply if:

  • You are an Australian citizen or permanent resident, living in Australia
  • You are between 19 and 60 years of age
  • You work between 20 and 60 hours per week either employed in a permanent position or have had a consistent income for at least 2 years if employed in a non-permanent position or self-employed.

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2 Responses

    Default Gravatar
    VanessaMarch 17, 2020

    Will i be able to claim income protection if i get corona virus or my business closes

      Default Gravatar
      NikkiMarch 18, 2020

      Hi Vanessa,

      Thanks for your comment and I hope you are well.

      Yes, you will be able to claim income protection for coronavirus as there are no exclusions for epidemics or pandemics in income protection policies. According to or review, your insurer promises to pay a percentage of your typical wage if you ever become too sick or injured to work. Policies will usually payout up to 75% of your regular gross income but note that this is dependent on your provider. This goes for employed or self-employed individuals. For waiting periods, Zurich has 30 days waiting period. During this time, you won’t receive any money during the waiting period, and it won’t be backdated.

      In the event of loss of job due to business closure, you can contact Zurich to ask how they handle this situation. Know that your insurance company’s response this week might not be the same way it responds next month. We have a guide on how to prepare for the possibility of unemployment.

      At this point in time, it’s important to review your insurance policy’s Product Disclosure Statement and terms and conditions and contact your provider for any questions you have.

      Hope this helps and feel free to reach out to us again for further assistance.


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