Income Protection

What is included?

There are two cover types, Sickness & Injury cover and Injury Only cover. If you have a medical condition or history that prevents you getting Sickness & Injury cover, Injury Only cover may be available.

Monthly benefit paid for up to 5 years

Benefit payments, for all valid claims, are made monthly, with the first payment commencing 15 days after the waiting period ends, helping you better manage your expenses. Benefits under this policy are payable to you, the policy owner.

First Month’s cover free

First month's premium payment waived

Worldwide cover 24/7

The policy provides you with cover 24 hours a day, seven days a week, world wide (with the exception of countries where the Australian government has advised against travel to that country at the start of your trip).

Generally tax deductible premiums

Generally, the premiums you pay for your policy can be claimed as a tax deduction by both employees and self-employed people.

Lump sum payout for heart attack, cancer or stroke with no waiting period

If you are diagnosed with one of the three common critical illnesses, Cancer, Stroke or Heart Attack (as specifically defined in the PDS), Zurich will waive the waiting period and provide you with a lump sum payout equivalent to three times the monthly benefit (for Sickness & Injury cover)

$500 Return-to-work benefit

After a period of being on claim, when you are ready to return to work and stop receiving claim benefits, we will make a one-time payment to you of $500.

Cover that meets your changing needs

If you ever need a little help with finances, you can elect to keep your cover going but reduce your level of cover for a specified period of time with the Reducing income feature, or you can elect to put your cover on hold for a specified period of time with the Premium holiday feature.

Waiver of Premium

While a monthly benefit is being paid, your insurance premiums will be waived

Choice of benefit amount

Cover available between $1,000 to $12,000 per month. If you have Sickness and Injury cover, monthly payments of 75% of pre-disability income, up to $12,000 per month.

Waiver of Premium

While you are receiving a monthly benefit, you don’t need to pay your insurance premiums.

Discount for existing Ezicover Life Insurance customers

Get 5% discount if you also have an Ezicover Life Insurance policy.

Premium frequency discount

Get a discount of 5.7% if you choose to pay your premium annually.

No medical examination required

Once approved, you can enjoy peace of mind.

Available to Australian residents aged 19 – 60

This policy is only available to Australian citizens or those holding permanent resident status of Australia, who are residing in Australia on a permanent basis, aged from 19 to 60.

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 Orange Credit Union 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 Statment (PDS), which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. Orange Credit Union does not recommend, endorse or advise you about this insurance. They can only refer you to Zurich. If you buy an Ezicover policy, Orange Credit Union 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.