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Zurich Ezicover Income Protection

What is Ezicover Income Protection and what does it cover?

Ezicover is a product range from Zurich which includes income protection insurance. Income protection is designed to pay out a monthly sum to help you maintain your lifestyle if you're unable to work due to illness or injury.

There are two different types of Ezicover Income Protection for you to choose from:

  • Sickness and injury cover. This option covers you if you're unable to work due to an illness or a physical injury.
  • Injury only cover. This option only covers you for injuries. This may be available as an alternative if you're not eligible for Sickness and injury cover.

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What are the key benefits?

Both Ezicover Income Protection plans include:

  • Premiums for your first month of cover are waived
  • A $500 return to work benefit when your claim ends to help you cover costs associated with returning to employment
  • Worldwide cover, making Ezicover a good option for those travel frequently. This cover is available to Australian residents and has a maximum benefit period of 3 months while overseas. It is available in all countries except where the Australian government has advised against travel.
  • Premiums that are generally tax deductible. However, monthly benefits paid are typically tax assessable.
  • A 5.7% discount for annual subscriptions and a 5% discount if you also hold an Ezicover Life Insurance policy

Things to know

  • Ezicover Income Protection plans only protect against injuries and illnesses that prevent you from working, by paying up to 75% of your monthly income, with a maximum of $12,000. This is only applicable if you’re unable to work purely due to an injury or illness that's covered by your plan.
  • The Injury Only policy is an option for people who might not be eligible for a Sickness and Injury plan, either due to a lack of consistent income or employment, or because of pre-existing medical conditions that make health issues more likely.
  • All benefits will continue to be paid until you either reach the end of the benefit period, are able to return to work or are no longer under the care of a medical practitioner who's treating your illness or injury. If the policy expires or you pass away while claiming benefits, the payments will also stop.Back to top


Additional options offered with Ezicover

Both Ezicover Income Protection plans include optional extras that offer more flexibility, such as:

  • Inflation protection: The Inflation Protection option will increase your benefits paid in line with the consumer price index, up to a maximum of 3% per annum. This will also increase your premium to reflect the increased amount of cover.
  • Flexible coverage plans: If your income has been reduced, you can temporarily reduce your sum insured with the Reducing Income feature, or temporarily put your cover on hold with the Premium Holiday feature. This allows you to reinstate cover at a later date without needing additional underwriting.

Am I eligible for Ezicover Income Protection Insurance?

In order to be eligible for Ezicover Income Protection you must be between 19 and 60 years old and living in Australia on a permanent basis, either as a citizen or a permanent resident.

You must be either:

  • in permanent full-time employment and working more than 20 hours per week, or
  • a contractor/self-employed person who has been working between 20 and 70 hours per week with regular and consistent income for at least the last 2 years.

How much will my premiums cost?

Your exact premium depends on the type of income protection insurance you have, and whether you’re eligible for any discounts. The following factors all have an impact on your premiums:

  • Level of cover. The higher your monthly benefit, the higher your premiums.
  • Age. Premiums generally increase as you get older and are more likely to suffer health issues.
  • Gender. Premiums generally vary by gender.
  • Smoking vs non-smoking. Smokers are at higher risk of health issues and will have higher premiums.
  • Your occupation. Occupations with higher risk levels or more physical intensity will have higher premiums.
  • Your health. Premiums may be higher for people with certain ongoing health issues, or a history of injury or illness.
  • Hobbies and pastimes. Premiums are higher for people who do more dangerous or hazardous sports and activities.
  • The benefit period. Longer benefit periods (the maximum amount of time that you can continuously claim benefits for) will have higher premiums.
  • The waiting period. Shorter waiting periods have higher premiums.
  • Taxes and duties. Any tax requirements or stamp duty charged by state governments will be reflected in increased premiums.

What is not covered by Ezicover Income Protection Insurance?

Even though they may qualify as injury, illness or other loss of income, certain situations are not covered by Ezicover. These are:

  • Self-inflicted or intentional injuries, or attempted suicide
  • Uncomplicated pregnancy or childbirth. However, health issues arising from complications are covered
  • Unemployment for reasons other than sickness or injury
  • Acts of war, whether declared or not
  • Injuries or illnesses that result from illicit drug use or criminal activities
  • Incarceration or lawful detainment
  • Elective surgery (including cosmetic surgery), unless it results in you being disabled and unable to work for more than 90 days
  • Cancer, stroke or heart attack within the first 90 days of the start or reinstatement of the policy
  • Any sickness or injury that resulted from elective surgery or donor transplant surgery within 6 months of the start of or reinstatement of the policy
  • Anything that happens in another country if the Australian government has officially advised against travelling to that country
  • Any exclusion or condition that you agree to at the time of application. These will be specifically noted in writing on your insurance policy

Ezicover frequently asked questions

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