page top

Income Protection Insurance

Attention: open in a new window. Print

Ezicover Income Protection can provide a monthly benefit for up to 5 years if you are unable to work due to sickness or injury.

You can choose to use the monthly payments however you wish, it is there for you and your family to cover everyday expenses bills and commitments while you are recovering.

Cover is available for Australian citizens or residents, aged between 19 and 60.

The benefits+

Cover for more people

  • Monthly payments of 75% of pre-disability income, up to $12,000 per month
  • Limited cover available for homemakers or people with employment or health restrictions - please refer to the PDS for details of limited cover

Extra help when needed

  • Lump sum payout for Heart attack, Cancer or Stroke (as defined under the policy terms) with no waiting period
  • A $500 Return-to-work benefit to help with extra expenses when claim ends
  • While we are paying you a monthly benefit, we will waive your insurance premiums

Affordable - cover to suit your budget

  • Premiums are generally tax deductible, and monthly benefits are generally tax assessable
  • Discount of 5.7% if you choose to pay you premium annually
  • 5% discount if you also have an Ezicover Life insurance policy
  • First month’s cover FREE

Flexible - cover that meets your changing needs

  • Inflation protection available if your income regularly increases
  • If you experience financial hardship, you can request to reduce your sum insured and pay lower premiums for a period of time with the Reducing income feature, or you can request to put your cover on hold for a period of time with the Premium holiday feature
  • World-wide cover
  • 30 day cooling off period

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

+ This is a summary of the benefits only. Terms and conditions apply. Words in italics have special meanings as set out in the policy. Please refer to the Ezicover Income Protection Product Disclosure Statement for full details.

Click here to view the Product Disclosure Statement (PDS) for the above products. You should read and consider the PDS before deciding whether to acquire any product mentioned here.

Ezicover insurance products are issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of 5 Blue Street, North Sydney, NSW 2060. Zurich has prepared the information on this website about Ezicover and Unity Bank Limited 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), available at, which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. Unity Bank Limited does not recommend, endorse or advise you about this insurance. They can only refer you to Zurich. If you buy an Ezicover policy, Unity Bank Limited 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.