Bill Protect

Select a monthly benefit between $1000 and $4,000, without any medical tests at application

You decide how much you’re covered for and there’s no need for any medical tests. We don't ask any income related questions either.

6, 12 or 24 month disability benefit available

Select how long you’ll receive payments if you’re off work with the same or related sickness or injury following the 30 day waiting period.

Don't pay premiums while you're on claim

We'll waive your premiums while you're receiving your monthly benefit. Also, the premiums you do pay are tax-deductible.

Guaranteed acceptance of your application

Acceptance of your application is guaranteed providing that when you apply, you’re an Australian or New Zealand citizen residing in Australia and aged 18-60.

Easy claims process

A single experienced Claims Manager will make the process as stress free as possible. You’ll receive your first monthly benefit after you complete your 30 day waiting period.

Covered up to age 75

Provided your cover has not ceased, we guarantee to insure you for the disability cover every year until your 75th birthday, even if your health changes.

Your intentional self inflicted act;

Working in an occupation, at heights above 15 metres; or underground in the mining industry;

You attempting to engage in or engaging in mountaineering, abseiling, rock climbing or canyoningdiving to a depth of 45 metres or more, pothole diving, wreck diving or diving in a cave.

Any mental disorder or mental illness;

Engaging in any criminal activity;