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Income Protection Insurance

  • Covers up to 75% of your income
  • Benefits paid for up to five years
  • No medicals

Enjoy great deals and savings at over 100 retailers with Suncorp Benefits

Help maintain your lifestyle

If you were too sick or injured to work, paying bills may become tricky. Income protection could help cover your expenses and keep your life on track, thanks to regular monthly payments.

Why Suncorp Income Protection?

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

Extra support if you’re out of action
Receive a Recovery Support Benefit for up to two months if you’re confined to bed

No premium payments during a claim period
We’ll waive your premiums if you’re receiving a monthly benefit

Quick and easy to apply
Apply over the phone with no medical tests

We’ve been helping Australians since 1833
We pay over one million dollars in accident, illness or injury claims every day

Features & Benefits


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

Waiting Period

Waiting Period Infographic

Claim waiting period (time off work before claim 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 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 reduced 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.

*NEW* Cover for pre-existing medical and mental health conditions


Subject to meeting health assessment criteria

Multi-policy discount


5% off premiums if you’re an existing Suncorp Insurance customer

*OPTIONAL* Accidental Injury Benefit


Backdates benefits to the start of your 14 or 28-day claim waiting period (your claim date)

What's Not Covered?

It’s important to know what you’re not covered for, if you become sick or injured as a result of certain events, such as:

Dangerous sports and occupations

Back pain for claims of less than 90 days duration

Please note, if you receive other sources of income, such as disability benefits, the maximum 75% of income benefit payable will be adjusted accordingly.

If you are going through hardship and are unable to meet your premium payments, please call us to discuss the options that may be available to you.

Like to know more?

Take a read of the  Suncorp Income Protection Product Disclosure Statement (PDS).

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 your Financial Planner for help in assessing your risk and working out the cover that could meet your needs.

Call Us

Quotes and Sales

Monday to Friday 8am to 6pm AEST


Claims and Customer Service

Monday to Friday 8am to 8pm AEST


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

Waiting Period

Waiting Period Infographic