Zurich Ezicover Income Protection Review

Name	Product AUFLI-INC	Maximum Monthly Benefit	Maximum % of Income Covered	Maximum Benefit Period	Minimum Entry Age	Sum Insured
Zurich Ezicover Income Protection		$12,000	Up to 70%	Up to 5 years	19	$5 million	Get your first month of cover free when you buy Zurich EziCover Income Protection.	Get quoteView details Compare	loading Fetching your data...

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Pros and cons of Ezicover Income Protection

Ezicover Income Protection: A quick summary

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.

Frequently asked questions

• 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.

Compare other products from Zurich

• Zurich life insurance

Written by

Gary Ross Hunter

Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise

Gary Ross has written 681 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
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