How do I make a claim with Zurich?

If you or your beneficiaries need to make a claim on your Zurich life insurance policy, you'll need to call Zurich as soon as possible on 131 551. You'll then need to fill in a claim form and return it to the insurer along with any medical certificates or other supporting documents required. Once Zurich's Claims Team receives your claim form they will contact you within 24 to 48 hours.

Will my Zurich life insurance premiums go up each year as I get older?

This depends on whether you choose stepped or level premiums. Level premiums do not increase as you age, while stepped premiums increase at each policy anniversary based on your age. However, it's worth mentioning that level premiums will also increase due to policy fee changes, rate increases and indexation.

Will I need to undergo a medical examination before purchasing Zurich life insurance?

No medical test is required if you buy a Zurich Ezicover direct life insurance policy. However, medical tests may be required for other policies.

How do I adjust my level of Zurich life insurance cover?

You can change your level of cover at any time by phoning Zurich Australia on 1800 394 268.

I have a pre-existing medical condition – will I still be able to get Zurich life insurance?

That depends on the condition. You have a responsibility to disclose full details of your condition to the insurer so that Zurich can decide whether or not to provide you with cover. Some conditions are automatically covered while others may require additional medical information and may lead to a higher premium. Certain conditions will be excluded.

Is Zurich Australia a reputable, established insurer?

Yes. Zurich Australia can trace its roots back to the 1920 founding of the Commonwealth General Assurance Corporation in New South Wales. It was acquired by the worldwide Zurich Insurance Group in 1961 and today employs more than 1,000 people across Australia and New Zealand. Zurich Insurance Group is a multi-line insurer that offers a wide range of insurance products and services in over 210 countries and territories.

Does Zurich life insurance cover me overseas?

Yes. You can enjoy worldwide cover 365 days a year.

How often do I need to pay my Zurich life insurance premiums?

Premiums can be paid on a monthly, quarterly, half-yearly or yearly basis.

Zurich Life Insurance Review

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Zurich Ezicover offers a free first month and premium suspension for up to 12 months.
Ezicover direct policies do not offer Total Permanent Disability or trauma cover.
Zurich reported a 98% claim acceptance rate between July 2021 and June 2022.

Your family could have 2 chances to save on its insurance: Your first month is free and, by taking out a second life policy, you can get a 10% discount on that policy.
Zurich offers premium suspension cover of up to 12 months to help you if you're struggling financially. Most insurers don't offer this.
A $15,000 payout for funeral costs is competitive.

Zurich doesn't offer TPD cover or trauma cover.
The maximum cover limit of $1,500,000 might not be enough for those who are seeking a premium rate of cover.
Policies aren't fully underwritten.

Maximum Cover

$1,500,000

Maximum Age

Total & Permanent Disability Cover

Trauma Cover

Compare key features of Zurich life insurance and get a quote today

Finder Score	Maximum Cover	Funeral Benefit	Optional TPD Cover	Optional Trauma Cover
Finder score 6.5 Standard Zurich Ezicover Life Insurance	Finder score 6.5 Standard	Maximum Cover $1.5 million	Funeral Benefit $15,000	Optional TPD Cover	Optional Trauma Cover No	Discount: Get your first month free, plus a complimentary legal will. For policyholders who purchase an eligible Ezicover Life Insurance or Income Protection policy from 27 Jan 2023 and maintain cover for at least 12 months. Offer must be redeemed while the policy remains active. T&Cs apply.	Our verdict: Good if you want a cheap policy from a well-regarded insurer. Zurich keeps things simple: unlike others, it doesn’t go in for optional add-ons such as TPD or trauma cover.	View details Compare product selectionCompare	loading

Finder Score - Life Insurance

Life Insurance is a little complicated and a lot overwhelming. That's why we made the Finder Score, to make it easier to compare Life Insurance products against each other. Our experts analysed over 30 products and gave each one a score out of 10.

But a higher score doesn't always mean a product is better for you. Your situation is unique, so your policy choice will be too. Don't think of Finder Score as the final word, but as a good place to start your life insurance comparison.

Read the full methodology

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What are the key features offered by Zurich Protection Plus?

All Zurich Protection Plus plans come with the following standard built-in benefits:

Inflation protection. Your cover will increase annually in line with the Consumer Price Index.
Future insurability benefit. Increase cover without underwriting at certain times.
Financial planning advice benefit. Reimburses the cost of financial planning.
Interim cover. Puts a level of cover in place as soon as you apply.
Future insurability. You can increase your death, TPD or trauma cover if a life event happens, for example marriage or kids, without a health assessment. The same applies for businesses, if certain business events occur, death cover can be increased.
Cover suspension. You can put your cover on hold for a specific period, up to 12 months in total. During this hold, you'll have no cover and no claims can be made.

Find out more about Zurich's main policy options

Direct life insurance
Adviser policies
Cover perks

life insurance icon

Direct life insurance

Key features of Zurich direct life insurance policies

You can purchase life insurance directly through Zurich EziCover. The EziCover options are designed to be easy to understand, affordable and simple to apply for.

Zurich Ezicover offers 2 core policies to help provide financial security for you and your family:

EziCover Life Insurance. This policy offers a lump sum payment of up to $1,500,000 on your death or diagnosis of terminal illness.
EziCover Income Protection. This policy pays out a monthly benefit for a period of up to 5 years if you are unable to work due to accidental injury.

Who is eligible?

To apply, you must be between 19 and 69 years of age, based in Australia as an Australian resident or in the process of applying for Australian residency. If you have pre-existing health conditions, you may not be eligible for cover.

Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

life insurance shield

Adviser policies

Key features of Zurich adviser policies

Zurich Income Safeguard. This provides you with a monthly benefit if you become disabled due to sickness or injury and can't work for longer than the waiting period.
Zurich Business Expenses. This can provide you with a monthly benefit to reimburse business expenses or key person replacement costs if the insured person becomes disabled.
Zurich Child Cover. This provides you with a lump sum if your child suffers a trauma condition covered by Zurich. It can also include a death, terminal illness and carer benefit.

Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

coverage icon

Cover perks

Zurich offers a number of rewards and savings including:

Multi-policy discount. This discount applies each year that you hold more than one life risk policy, or when you take out more than one type of standalone cover within the one policy. The maximum discount available is 10%.
COVID vaccination protection. Zurich life insurance customers who suffer a serious side effect from an approved vaccination before the end of 2021 are eligible for a one-off benefit of up to $50,000 - in addition to any standard payouts from a policy. Death or disability from a COVID infection is already covered by life insurers.

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How much does Zurich life insurance cost?

To give you a general idea of the cost, we generated a quote for Zurich Ezicover Life Insurance with $500,000 in cover. The policy was quoted at $42.53 per month.

Quote was generated on 13 February 2025 for a 37 year old non-smoking male in New South Wales.

These factors will affect your cost with Zurich

There are several factors that determine the cost of your Zurich life insurance cover, including:

Your age
Your gender
The type of cover you select
The level of cover you select

Whether you choose direct life insurance or advised life insurance
Your occupation and pastimes
Your health and smoking status

For a more accurate idea of how much cover will cost, apply for a quote today.

What are some of the key exclusions?

The exclusions vary depending on the type of cover you opt for. Below is a basic summary of what's excluded in some of its products.

Ezicover Life Insurance
Ezicover Income Protection

Your Zurich Ezicover Life Insurance claim will not be paid if death occurs as a result of suicide within 13 months of:

The start date of cover
Any increase in cover (but only in respect of that increase)
Cover being reinstated

Your Ezicover Income Protection claim will not be paid if it arises due to:

An intentional self-inflicted act or attempted suicide
Uncomplicated pregnancy or childbirth
Unemployment not caused by sickness or injury
An act of war
Your use of illicit substances
You committing (or attempting to commit) a criminal act

- You being incarcerated or lawfully detained
- Elective surgery (unless you are disabled for a period of more than 90 days)

Events that occur outside Australia, if the Australian Government has advised against travel to that country
Any other exclusion agreed with you when you apply for cover

See how Zurich's claim acceptance rate stacks up against other life insurers

This is the percentage of claims a life insurer pays out. It's based on data from Australian Prudential Regulation Authority (APRA) covering the 12-month period from 1 July 2021 to 30 June 2022. Taken from 18 Australian life insurance underwriters (of direct policies).

Claims acceptance rate

Claims acceptance rate
Brand	Claims accepted rate
OnePath	98.0%
Zurich	98.0%
RAC	96.9%
Budget Direct	96.9%
Nobleoak	96.9%
AAMI	90.1%
Insuranceline	90.1%
Suncorp	90.1%
TAL	90.1%
Australian Seniors	88.9%
Guardian	88.9%
Kogan	88.9%
Real	88.9%
ahm	86.4%
Medibank	86.4%

Claims acceptance rate
Brand	Claims accepted rate
OnePath	98.0%
Zurich	98.0%
RAC	96.9%
Budget Direct	96.9%
Nobleoak	96.9%
AAMI	90.1%
Insuranceline	90.1%
Suncorp	90.1%
TAL	90.1%
Australian Seniors	88.9%
Guardian	88.9%
Kogan	88.9%
Real	88.9%
ahm	86.4%
Medibank	86.4%

More about Zurich Australia

Zurich Australia is part of the Zurich Insurance Group, a leading insurer that offers an extensive range of property and casualty, and life insurance products. Founded in Zurich, Switzerland, in 1872, the group now operates in more than 210 countries and territories around the world.

Zurich first arrived in Australia in 1961. It now employs more than 1,000 people throughout Australia and New Zealand and offers insurance to suit individuals, small businesses, large companies and multinational corporations.

Questions you've asked about Zurich, answered ✅

If you or your beneficiaries need to make a claim on your Zurich life insurance policy, you'll need to call Zurich as soon as possible on 131 551. You'll then need to fill in a claim form and return it to the insurer along with any medical certificates or other supporting documents required.
Once Zurich's Claims Team receives your claim form they will contact you within 24 to 48 hours.
That depends on the condition. You have a responsibility to disclose full details of your condition to the insurer so that Zurich can decide whether or not to provide you with cover.
Some conditions are automatically covered while others may require additional medical information and may lead to a higher premium. Certain conditions will be excluded.
Yes. Zurich Australia can trace its roots back to the 1920 founding of the Commonwealth General Assurance Corporation in New South Wales. It was acquired by the worldwide Zurich Insurance Group in 1961 and today employs more than 1,000 people across Australia and New Zealand.
Zurich Insurance Group is a multi-line insurer that offers a wide range of insurance products and services in over 210 countries and territories.

Compare other products from Zurich

Zurich income protection

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Written by

James Martin

Journalist

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James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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James has written 167 Finder guides across topics including:

Car, home, life, health, travel and pet insurance
Managing the cost of living
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Zurich Life Insurance Review

Zurich Life Insurance offers no-fuss life cover that could meet the needs of most Aussies. But this trusted insurer doesn’t offer any of the bigger policy add-ons.

Key takeaways

Our verdict