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Income Protection Insurance

  • Suncorp has been protecting lives in Australia and New Zealand since 1833
  • Buy online or over the phone
  • No medical tests needed to apply

3,000 Australians on average get a quote each month

Why Income Protection?

If you had to stop work because of sickness, injury or involuntary redundancy, life could get unnecessarily stressful.

Suncorp Income Protection could cover you for up to 75% of your monthly income (up to $10,000 per month for sickness or injury, or up to $4,000 per month for involuntary redundancy), so you can focus on the important task of getting back to work as soon as possible. You’ll receive a monthly payout to help cover things like household bills, the mortgage, school fees and home help – or whatever you need to help get you back on your feet.

What's Included?

Cover available for up to 75% of your income (max $10,000 monthly) if you become sick or injured and unable to work, with no restrictions on how it's spent.

Receive this as a monthly payout. You choose what level of cover you might need, so it could be worth considering how much you may need to help cover your household costs and lifestyle (and don't forget the medical bills). 

Choose a one or two year benefit period

This is the maximum amount of time you will receive your benefit if you are injured or sick and unable to work.

Covered up to age 65

Provided your cover has not ceased earlier, we guarantee to insure you for the disability cover every year until your 65th birthday.

Easy claims process

A single experienced Claims Manager will make the process as stress free as possible. You’ll become eligible for your first monthly benefit after you complete your 30 day waiting period. Because benefits are paid monthly in arrears, you will receive your first payment after 60 days.

Don't pay premiums while you're on claim

We'll waive your premiums while you're receiving your monthly benefit. Also, if you are working the premiums you do pay could be tax-deductible, depending on your circumstances*.

* These comments are a guide only and do not take into account changes in taxation laws or your particular circumstances. Please ask your tax adviser or the Australian Taxation Office about your own circumstances.

Easy and quick to apply

Do it all online or over the phone. No medical tests or doctors reports needed to apply. You just have to be aged between 18-60, working at least 20 hours a week and be an Australian or New Zealand citizen or permanent resident residing in Australia at the time of application.

Optional extra

Choose to add cover for redundancy

Cover 75% of your monthly income (max $4000 monthly) if you become involuntarily redundant. This is paid out for a maximum of 3 months. Please note you are unable to claim on this benefit for the first 6 months of your policy and 30 day waiting period applies. Find out more about the redundancy benefit and what’s not covered.

What's Not Covered?

It’s just as important to know what you’re not covered for. If your sickness or injury occurs as a result of certain events, Suncorp’s Income Protection insurance will not cover you, some of these include:

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 canyoning; diving 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

Want to know more?

This is just a summary, for full details of what is and isn't covered please refer to the Suncorp Income Protection Product Disclosure Statement (PDS) or see all other documents.

Why choose Suncorp?

Giving our customers the confidence to live their lives

We have been helping to protect lives in Australia and New Zealand since 1833.

Our Australian based call centres are here to help.

We pay well over one million dollars in claims each day to support people who are living with the effects of accident, illness or injury.

We work with charities to help raise funds; communicate health issues; support medical research; & sponsor events that bring the community together.

Get a quick quote

Or call 1800 285 130Mon-Fri 8am-8pm EST

Alternative Cover Options

Suncorp Bill Protect

Bill Protect is similar to Income Protection insurance, with a few key differences:

You choose a monthly payout amount between $1000 and $4000 for both the disability and the redundancy benefits. You can select a shorter benefit period of 6 months in addition to the periods offered under Income Protection

MyStyle Life Insurance

Income Protection & Life Insurance bundle

If you don't yet have Income Protection or Life Insurance you might like to consider getting both in the one convenient policy with our new product MyStyle. MyStyle offers you greater choice, so you can configure your policy with the features that matter most to you.

Still unsure of the cover you might need?

Our easy to use life insurance calculator can give you an estimate on the amount of death and income protection cover you may need.


Need to talk?

Our friendly team of insurance specialists at our Australian based call centre can answer all your questions. Alternatively, if you feel your financial requirements are more complex and you require financial advice, you can turn to a Suncorp Financial Planner for help in assessing your risk and working out the cover that could meet your needs.


Monday to Friday 8am to 8pm AEST


Send us an email and one of our Consultants will respond to your enquiry

Financial Planner

Arrange a no-obligation consultation