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Out of action

Out of action: means the life insured is solely as a result of sickness or injury, as diagnosed by a medical practitioner and on his/her advice and in our opinion is: — unable to attend or engage in his/her usual occupation; — not working in or performing any occupation, whether income generating or not; and — under the regular care of and following the advice of a medical practitioner, including recommended courses of treatment

Sickness or injury

Sickness: means an illness or disease that first manifests itself or is first suffered by the life insured after the cover commencement date or in the case of an increase to a benefit, after the commencement of the increase, and which is diagnosed by a medical practitioner. Injury: means an accidental bodily injury suffered by the life insured after the cover commencement date or in the case of an increase to a benefit or the addition of a benefit, after the commencement of the increase or benefit addition.

Income Protection Insurance

Income Protection helps you feel confident in your family’s financial security. It can help replace up to 75% of your income for a period of time if you find yourself out of action due to sickness or injury and need to maintain your lifestyle.

  • Comprehensive cover up to 75% of your income up to $10,000 a month
  • Flexibility to tailor your policy
  • Quick and easy to apply

What is Income Protection Insurance?

When you are injured or become ill and are no longer able to work, payments are made so that you can continue to pay your bills and help cover your living expenses. You can receive up to 75% of your pre-tax income up to $10,000 a month for a specified time if you are unable to work due to illness or injury.

Why is income protection insurance important?

Paying bills can be stressful if you’re struck by an unexpected illness or injury. Suncorp Income Protection Insurance provides peace of mind with regular monthly payments for a period of time to help keep your life on track if something goes wrong. There’s also built in financial assistance when returning to work and extra support for childcare to help protect your family. 

How much does income protection insurance cost?

Help take control of your finances with Suncorp Income Protection, which you can tailor to suit your budget. How much you pay will depend on a few things, like your job, lifestyle and medical history, and the cover amount for bills and lifestyle costs. Get an income protection insurance quote online to see how you can personalise your policy. 

Get a quick quote

Or call 13 11 55

Why Suncorp Income Protection?

Australian residents

Australian residents aged 18 to 60 working 20 or more hours a week.

Quick and easy to apply

Apply online or over the phone with no medical exams required for Australian residents aged 18-60

Flexible for you

See how you can help tailor a policy to suit your needs, lifestyle and budget

Comprehensive cover

You can choose to insure up to 75% of your income, up to $10,000 a month with Income Protect Plus Cover

Extra support if you’re out of action

Receive a Recovery Support Benefit for up to two months if you’re confined to bed as a result of sickness or injury

Easy claims process

If you need to make a claim, a dedicated claims manager will make the process as stress-free as possible

We are helping Australians every day

With over one million dollars in accident, illness or injury claims paid every day

Income protection features & benefits

INCOME PROTECT PLUS

Comprehensive cover amount per month

Up to $10,000 a month or 75% of income*
Increases yearly in line with inflation

 *75% of the average of the last

12 months’ pay at time of claim

Claim waiting period (time off work before claim is payable)

Your choice of a 14, 28, 60 or 90 day waiting period after you’ve lodged a claim

See how it works

Benefit period

 

Receive income payments for 6 to 60 months – you choose!

When your benefit is paid

Benefits build up from the end of the waiting period (after a successful claim has been made) and are then paid monthly in arrears.

Assistance returning to work

Partial benefits are paid to supplement earning capacity, to assist your return to work on claim benefit periods of 24 and 60 months.

Recovery Support Benefit

If you’re confined to bed, you may receive extra financial support for the first two months of the claim period. This could help cover expenses for childcare, nursing care, housekeeping, travel to medical appointments and more.

Cover for mental health and pre-existing conditions

Subject to meeting health assessment criteria.

5% off your premium with our multi-policy discount

If you’re an existing Suncorp Insurance customer.

Optional add-on

Accidental Injury Benefit

Designed to help you and your family with the financial strain of accidental injury, this will backdate the benefit payment to the date of your accidental injury, if it results in:

  • Being totally out of action for the duration of the claim waiting period
  • Remaining totally out of action beyond the end of the claim waiting period and eligible to receive a benefit or partial benefit
  • The total benefits paid on any claim is up to the maximum claim benefit period nominated on your policy. The Accident Benefit Option is available if you take out Income Protect Plus Cover with a 14 or 28 day claim waiting period.

What's Not Included?

No benefit will be payable if the sickness or injury is caused directly or indirectly by:

  • Pregnancy
  • Self-harm
  • Drug and alcohol related sickness or injury
  • Criminal activity
  • War and terrorism
  • Other: any other specific exclusion agreed with you first and as listed in the policy schedule.

In addition, these situations are not covered if you have the Income Protect Cover option:

  • Pre-existing or known medical conditions
  • Any mental health related condition
  • Fatigue
  • Back injuries
  • Football related injuries
  • Heights
  • Aviation
  • Dangerous occupations
  • Dangerous Pastimes

Want to know more?

For full details of what is and isn’t covered, please refer to the PDS.

Frequently Asked Questions

Suncorp Life’s Commitment to the Life Insurance Code of Practice

Suncorp Life Insurance policies are issued by TAL, who played a key role in creating the Life Insurance Code of Practice. Suncorp Life is committed to delivering the best possible customer service standards and support the Financial Services Council in promoting and monitoring the Code of Practice. Suncorp Life will continue to look for ways to raise the standards of customer service now and over the years to come. Read more.

Suncorp Funeral Insurance is here to help

Operating Hours

Quotes and sales: Mon-Fri 8am-7pm, Sat 9am-4pm (AEST)

Customer service: Mon-Fri 8am-6pm (AEST)

Claims: Mon-Fri 8am-5:30pm (AEST)

Call the Suncorp Life Team

For help with a quote, contact the Suncorp Life team about Income Protection Insurance today.

View our operating hours

Call 13 11 55

Request a call back

A Suncorp Income Protection team consultant will get back to you.

Request now

Apply online

Get a quote and apply online in minutes

Apply now

Sickness or injury

Sickness: means an illness or disease that first manifests itself or is first suffered by the life insured after the cover commencement date or in the case of an increase to a benefit, after the commencement of the increase, and which is diagnosed by a medical practitioner. Injury: means an accidental bodily injury suffered by the life insured after the cover commencement date or in the case of an increase to a benefit or the addition of a benefit, after the commencement of the increase or benefit addition.

Out of action

Out of action: means the life insured is solely as a result of sickness or injury, as diagnosed by a medical practitioner and on his/her advice and in our opinion is: — unable to attend or engage in his/her usual occupation; — not working in or performing any occupation, whether income generating or not; and — under the regular care of and following the advice of a medical practitioner, including recommended courses of treatment

Australian residents

Australian residents aged 18 to 60 working 20 or more hours a week.

Waiting period

Waiting Period Infographic

Operating Hours

Quotes and sales: Mon-Fri 8am-7pm, Sat 9am-4pm (AEST)

Customer service: Mon-Fri 8am-6pm (AEST)

Claims: Mon-Fri 8am-5:30pm (AEST)