Purchase a policy before 31st July and go in the draw to win 1 of 5 $1,000 Prezzy Cards. T's & C's apply.
Cover tailored to your needs
We offer four types of Income Cover that allows you to choose the type which best suits your needs and budget.
You can apply for a sum insured based up to 75% of your annual income, to a maximum of $25,000 per month ($20,000 for Agreed Value)
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Cover you can trust
We've been operating in New Zealand for over 100 years, and now protect more than 450,000 New Zealanders with our insurance policies.
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What you need to know
Your ability to earn may be your greatest financial asset and Income Cover is designed to protect it. If you had an accident or became ill and that meant you could no longer work, Income Cover can provide you with a regular monthly income. This allows you to focus on your recovery without worrying about how to pay the bills or maintain your current lifestyle.
What's included:
Receive a monthly payment while you're disabled as a result of an illness or injury
Available to those aged 16 – 55 (maximum age of 60 for occupation class 1 & 2)
Provides an additional lump sum payment if an illness or injury leaves you totally and permanently disabled
Waiver of your waiting period if your disability returns within 12 months (or 6 months in certain circumstances) of going off claim
Additional financial support for the cost of returning to New Zealand if you become totally disabled while overseas
Comprehensive cover with built-in benefits to assist you during your recovery and your process of returning to work
A range of additional optional benefits to enhance your cover to tailor it to your needs
Includes access to our Cigna Client Benefits which offers a range of additional service
What's excluded
Intentional self-harm including attempted suicide
Taking part in a criminal activity
Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy
Failure to comply with the advice and treatment recommended by an appropriate medical practitioner
