Regular payments to help replace lost income if you’re unable to work due to illness or injury
Cover that pays up to $10,000 per month
Select how long you have to be off work before you receive payments
Receive healthy living rewards, including a $100 Healthy Living bonus after a year of no claims
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Simple affordable policies
Protect yourself for as little as $7 a week
Access to lower premiums for a longer wait period
10% off your first year’s premiums*
*Discount available until 31 December 2019
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Cover you can trust
If you decide within 30 days that the cover is not for you, we'll refund your premiums - no questions asked
If you’re made redundant your premiums can be waived for up to six months to help out. Likewise we’ll waive them while you’re on a disability claim
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What you need to know
If you're unable to work due to injury or illness, your groceries, power bills, fuel and your rent or mortgage still need to be paid. Cigna can help make sure your family’s everyday essentials are still covered with income protection insurance. Get an instant quote
What's included
Available to all NZ residents aged 18-59 working for 25 or more hours a week
If your claim is accepted, it's up to you to decide how to use the money
Receive up to 75% of your income, every month you're off work - for up to 2 years
Choose how long Cigna makes payments for (6, 12 or 24 months). The shorter the payment term you choose, the lower your premium will be.
Getting covered is easy, it only takes about 5 minutes to apply
What's excluded
For some special risk occupations, there is a maximum monthly pay out of $3,000 for a maximum period of 12 months. We recommend you read the brochure and the policy wording for full product information.
Claims that arise from a pre-existing condition you had in the two years before your income protection cover start date are excluded.
Income protection expires on the anniversary of your policy after your 65th birthday.
We also suggest that you talk to your tax adviser regarding the tax status of the policy premiums and benefits as they relate to you.
