Income Protection Insurance

If you’re between 19 and 60, Ezicover Income Protection can provide a monthly benefit for up to 5 years, if you are unable to work due to sickness or injury.

To find out more or apply for a policy, call 1800 EZI COV (1800 394 268) or you can apply online today.

Income Protection Insurance

Key product features

First 30 days are complimentary, so in the first year of your policy you will only pay 11 months premium
There are two cover types, Sickness & Injury cover and Injury Only cover. If you have a medical condition or history that prevents you getting Sickness & Injury cover, Injury Only cover may be available
Monthly payments of up to 70% of your pre-disability income, with a maximum of $12,000 per month
Choose how long the monthly benefit can be paid to you, with benefit periods of 1, 2 or 5 years available
Choose how many days you must be unable to work before you are eligible for your benefit, with waiting periods of 30, 60 or 90 days available
Insurance premiums are waived while a monthly benefit is being paid
Reducing income feature, allows the level of cover and premium payments to be temporarily reduced during period of financial hardship or special circumstances
Cover suspension feature, allows you to put your cover on hold for up to 12 months
Worldwide cover, 24/7 except where the Australian government has advised against travel to that country
Qualifying periods apply for elective, cosmetic and transplant surgery
Exclusions apply, such as self-inflicted injury, illegal activities and unemployment for other reasons not covered. See the PDS for more information

This is a summary of key features only. Terms and conditions apply. Please refer to the Ezicover Income Protection Product Disclosure Statement for full details.

Ezicover Income Protection is designed for people who have or expect to have financial commitments (such as a mortgage, school fees, medical expenses and living expenses) that they would be unable to pay in the event they could not work and earn an income due to sickness or illness. It is also important that people who take out a policy understand that premiums increase with age and expect to be able to continue to pay premiums for the timeframe they require the insurance.

To find out more or apply for a policy call 1800 EZI COV (1800 394 268) or you can apply online today.

Ezicover Income Protection is issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of118 Mount Street, North Sydney, NSW 2060. Zurich has prepared the information on this website about Ezicover and Navy Health is simply passing the information onto you. This information is of a general nature only and does not take in to account your objectives, financial situation or needs. You should consider these factors and the relevant product disclosure statement (PDS), which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. The relevant PDS and target market determination are available or by contacting Zurich. Navy Health does not recommend, endorse or advise you about this insurance. It can only refer you to Zurich. If you buy an Ezicover policy, Navy Health will receive a referral commission from Zurich of 20% (plus GST) of your insurance premium. This amount is paid by Zurich and is not an additional cost to you. This information is current as at 27 September and is subject to change. PDR GCLS-017496-2021