Income Protection

Key product features

• First 30 days are complimentary, so in the first year of your policy you will only pay 11 months premium
• 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 payments of up to 70% of your pre-disability income, with a maximum of $12,000 per month
• Choose how long the monthly benefit can be paid to you, with benefit periods of 1, 2 or 5 years available
• Choose how many days you must be unable to work before you are eligible for your benefit, with waiting periods of 30, 60 or 90 days available
• Insurance premiums are waived while a monthly benefit is being paid
• Reducing income feature, allows the level of cover and premium payments to be temporarily reduced during period of financial hardship or special circumstances
• Cover suspension feature, allows you to put your cover on hold for up to 12 months
• Worldwide cover, 24/7 except where the Australian government has advised against travel to that country
• Qualifying periods apply for elective, cosmetic and transplant surgery
• Exclusions apply, such as self-inflicted injury, illegal activities and unemployment for other reasons not covered. See the PDS for more information.

This is a summary of key features only. Terms and conditions apply. Please refer to the Ezicover Income Protection Product Disclosure Statement for full details. Ezicover Income Protection is designed for people who have or expect to have financial commitments (such as a mortgage, school fees, medical expenses and living expenses) that they would be unable to pay in the event they could not work and earn an income due to sickness or illness. It is also important that people who take out a policy understand that premiums increase with age and expect to be able to continue to pay premiums for the timeframe they require the insurance.

Ezicover Income Protection is issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of118 Mount 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 statement (PDS) , which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. The relevant PDS and target market determination are available online or by contacting Zurich. Orange Credit Union does not recommend, endorse or advise you about this insurance. It 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. This information is current as at 27 September and is subject to change. PDR GCLS-017496-2021