Unsupported Browser

Your web browser appears to be outdated. Our website may not look quite right in it.

Please consider updating your browser to enjoy an optimal experience.

Skip to main content

Benefits of Income Cover

If you had an accident or became ill and could no longer work, Income Cover can provide you with a regular monthly income.

This means you can focus on your recovery without worrying about how you are going to pay your bills.

Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at October 2021 and is subject to change.

  • Tailored to your needs
    with four types of cover options to choose from to suit your needs and budget

  • Cover you can trust
    we've been helping kiwis like you for over 100 years

What’s covered?

You’ll receive a regular monthly income while you’re disabled as a result of an illness or injury.

If you become totally disabled as a result of an illness or injury, a monthly benefit may be payable. Payments begin at the end of the waiting period.

Why it's important

Compensates for income lost as a result of your disability and helps you meet your financial commitments, assisting you to maintain you and your family’s current lifestyle.

This will be payable if you’ve been totally or partially disabled during the waiting period, and can only earn less than 75 percent of your income because of your disability when you return to work.

Why it's important

Making sure that you do not suffer financially while you ease into full-time work.

You can increase the monthly sum insured if your income goes up, by up to 10 percent each policy year, on top of increases because of inflation. All increases under this benefit can't be more than 2 times your original monthly Income Cover sum insured. You must be under 55 years old and apply for the Increasing Income Benefit within 90 days of your income increasing or within 60 days of the policy anniversary date immediately after your income increased.

Why it's important

Allows you to keep your insurance in line with your increased income, without providing any further evidence of your health.

We'll waive your waiting period if your disability returns within 12 months of going off claim

If you become totally or partially disabled again because of the same illness or injury within 12 months of the original claim ending for this cover, your waiting period will be waived and your claim for the same illness or injury will be assessed as a continuing claim on the original Total Disability Benefit or Partial Disability Benefit claim

Why it's important

If you suffer a recurrence of the same disability you are not unfairly penalised by having to wait out the waiting period again.

We'll pay a benefit if you are hospitalised or confined to bed for more than 3 nights in a row

If you're confined to bed at home or admitted to a registered hospital for at least 3 nights in a row and under a medical practitioner's daily supervision, this benefit will pay one thirtieth of the monthly sum insured for each night of bed confinement until the end of the waiting period or until you're no longer confined to bed or hospitalised, whichever happens first.

Why it's important

Provides additional financial support during the waiting period.

Cover for costs of vocational retraining or rehabilitation that will help you recover from your total disability or partial disability

If you're on claim for a total disability or partial disability, and there's a retraining or rehabilitation that's likely to help you get your pre-disability functions back or help you re-enter the workforce, this benefit will pay the lesser of the cost of the retraining or rehabilitation or 24 times the monthly sum insured.

Why it's important

We work with you to find the treatment or training programme that you believe will best help you return to work.

A reimbursement of up to 6 times the monthly sum insured for the cost of purchasing specialised equipment

If you're on claim for a total disability or partial disability, and need to buy specialised equipment to help with your disability, including wheelchairs, artificial limbs, prosthetics, or changes to your house or car, this benefit will reimburse you for the lesser of the cost of the specialised equipment or 6 times the monthly sum insured.

Why it's important

Helps to meet the added costs of purchasing specialised equipment and devices to aid recovery.

An extra payment when you return to work after a Total Disability Benefit claim

If you've been on a Total Disability Benefit claim for more than 12 months in a row, or have been paid a Vocational Retraining and Rehabilitation Benefit, and then return to full-time employment or self-employment, this benefit will pay an extra payment after 3 months and 6 months of continuous full-time employment or self-employment.

Why it's important

We recognise that returning to work full time after a period of disability may be difficult for you and your family

An extra one-off payment if an illness or injury leaves you totally and permanently disabled

If you meet any of the definitions for total and permanent disability (as set out in the terms and conditions), this benefit will pay you a one-off lump sum payment for 12 times the monthly sum insured.

Why it's important

If you are totally and permanently disabled due to illness or injury, this payment helps to compensate for the ongoing financial impact and adjustment of lifestyle

Cover for costs to get you back to New Zealand if you become totally disabled while living overseas

If you have been living outside of New Zealand for more than 3 months in a row and become totally disabled as a result of an illness or injury, this benefit will pay the lesser of the cost to get you back to New Zealand or 3 times the monthly sum insured extra payment after 3 months and 6 months of continuous full-time employment or self-employment.

Why it's important

Peace of mind knowing that if you suffer a disability while overseas you can return home immediately

An extra payment if you need full-time care at home because of your total disability.

If you are totally disabled and need full-time care at home, this benefit will pay the lesser of the cost of care, the monthly sum insured or $2,500 per month. If full-time care is not provided to you for a whole month, this benefit will pay one thirtieth of that amount for each day of care.

Why it's important

Assists with additional costs of full-time care.

A reimbursement for the extra costs of childcare that you may need because of your total disability.

If you're on claim for a total disability and need help with extra childcare for your children under 14 years old, this benefit will reimburse you for the lesser of the extra childcare costs or $800 for each child per month.

Why it's important

Helps to meet additional childcare costs incurred as a result of your disability.

Cover for costs of any emergency transport needed for your disability.

If you're on claim for a total disability or partial disability, and a medical practitioner confirms you need emergency transport, this benefit will pay the lesser of the cost of the emergency transport or 3 times the monthly sum insured.

Why it's important

Financial support for the costs of emergency transportation, such as an air and road ambulance, if medically needed.

You’ll receive a regular monthly income while you’re disabled as a result of an illness or injury.

If you become totally disabled as a result of an illness or injury, a monthly benefit may be payable. Payments begin at the end of the waiting period.

Why it's important

Compensates for income lost as a result of your disability and helps you meet your financial commitments, assisting you to maintain you and your family’s current lifestyle.

This will be payable if you’ve been totally or partially disabled during the waiting period, and can only earn less than 75 percent of your income because of your disability when you return to work.

Why it's important

Making sure that you do not suffer financially while you ease into full-time work.

You can increase the monthly sum insured if your income goes up, by up to 10 percent each policy year, on top of increases because of inflation. All increases under this benefit can't be more than 2 times your original monthly Income Cover sum insured. You must be under 55 years old and apply for the Increasing Income Benefit within 90 days of your income increasing or within 60 days of the policy anniversary date immediately after your income increased.

Why it's important

Allows you to keep your insurance in line with your increased income, without providing any further evidence of your health.

We'll waive your waiting period if your disability returns within 12 months of going off claim

If you become totally or partially disabled again because of the same illness or injury within 12 months of the original claim ending for this cover, your waiting period will be waived and your claim for the same illness or injury will be assessed as a continuing claim on the original Total Disability Benefit or Partial Disability Benefit claim

Why it's important

If you suffer a recurrence of the same disability you are not unfairly penalised by having to wait out the waiting period again.

We'll pay a benefit if you are hospitalised or confined to bed for more than 3 nights in a row

If you're confined to bed at home or admitted to a registered hospital for at least 3 nights in a row and under a medical practitioner's daily supervision, this benefit will pay one thirtieth of the monthly sum insured for each night of bed confinement until the end of the waiting period or until you're no longer confined to bed or hospitalised, whichever happens first.

Why it's important

Provides additional financial support during the waiting period.

Cover for costs of vocational retraining or rehabilitation that will help you recover from your total disability or partial disability

If you're on claim for a total disability or partial disability, and there's a retraining or rehabilitation that's likely to help you get your pre-disability functions back or help you re-enter the workforce, this benefit will pay the lesser of the cost of the retraining or rehabilitation or 24 times the monthly sum insured.

Why it's important

We work with you to find the treatment or training programme that you believe will best help you return to work.

A reimbursement of up to 6 times the monthly sum insured for the cost of purchasing specialised equipment

If you're on claim for a total disability or partial disability, and need to buy specialised equipment to help with your disability, including wheelchairs, artificial limbs, prosthetics, or changes to your house or car, this benefit will reimburse you for the lesser of the cost of the specialised equipment or 6 times the monthly sum insured.

Why it's important

Helps to meet the added costs of purchasing specialised equipment and devices to aid recovery.

An extra payment when you return to work after a Total Disability Benefit claim

If you've been on a Total Disability Benefit claim for more than 12 months in a row, or have been paid a Vocational Retraining and Rehabilitation Benefit, and then return to full-time employment or self-employment, this benefit will pay an extra payment after 3 months and 6 months of continuous full-time employment or self-employment.

Why it's important

We recognise that returning to work full time after a period of disability may be difficult for you and your family

An extra one-off payment if an illness or injury leaves you totally and permanently disabled

If you meet any of the definitions for total and permanent disability (as set out in the terms and conditions), this benefit will pay you a one-off lump sum payment for 12 times the monthly sum insured.

Why it's important

If you are totally and permanently disabled due to illness or injury, this payment helps to compensate for the ongoing financial impact and adjustment of lifestyle

Cover for costs to get you back to New Zealand if you become totally disabled while living overseas

If you have been living outside of New Zealand for more than 3 months in a row and become totally disabled as a result of an illness or injury, this benefit will pay the lesser of the cost to get you back to New Zealand or 3 times the monthly sum insured extra payment after 3 months and 6 months of continuous full-time employment or self-employment.

Why it's important

Peace of mind knowing that if you suffer a disability while overseas you can return home immediately

An extra payment if you need full-time care at home because of your total disability.

If you are totally disabled and need full-time care at home, this benefit will pay the lesser of the cost of care, the monthly sum insured or $2,500 per month. If full-time care is not provided to you for a whole month, this benefit will pay one thirtieth of that amount for each day of care.

Why it's important

Assists with additional costs of full-time care.

A reimbursement for the extra costs of childcare that you may need because of your total disability.

If you're on claim for a total disability and need help with extra childcare for your children under 14 years old, this benefit will reimburse you for the lesser of the extra childcare costs or $800 for each child per month.

Why it's important

Helps to meet additional childcare costs incurred as a result of your disability.

Cover for costs of any emergency transport needed for your disability.

If you're on claim for a total disability or partial disability, and a medical practitioner confirms you need emergency transport, this benefit will pay the lesser of the cost of the emergency transport or 3 times the monthly sum insured.

Why it's important

Financial support for the costs of emergency transportation, such as an air and road ambulance, if medically needed.

Is Income Cover right for me?

Leave your details and an Insurance Adviser will give you a call

Product Interest *
Best time to call: *
Would you like to speak to a Cigna Insurance Adviser or an Independent Financial Adviser? *
Thank you for submitting your message, we will be in contact with you shortly.

Please note: by selecting ‘speak to an Independent Financial Adviser’ above, you authorise us to share your contact details with an authorised independent financial adviser in your area to discuss your insurance requirements

What our customers are saying

Have no trouble with you whatsoever. As soon as we put our claim in, the money was in the very next day. It was such a relief not to have to worry about stuff. I recommend them; very, very strongly.

Kawakawa, NZ

You were friendly, courteous, got to the point quickly and didn't make too much of a deal that I'd missed payments, and you knew that I was going to action it, to get it sorted. I appreciated that.

Auckland, NZ

You are very friendly, super-efficient, no worries. Absolutely tops.

New Plymouth, NZ

Kind, very very helpful. I absolutely love you people, and I am recommending you people to anybody.

Tauranga, NZ

What else do I need to know?

Can I reduce or increase the cover after my application has been submitted?

Yes. You can reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.

How do I make a claim? What's the first step?

The first step in making an insurance claim is to contact Cigna directly. Our team will guide you through the claims process, beginning with giving you clear information on your policy and sending out any required forms for your claim.

Call us free on 0800 900 047, or email us at claims.nz@cigna.com.

What’s included in income cover?
  • A monthly income while you're disabled as a result of an illness or injury

  • An additional lump sum payment if an illness or injury leaves you totally and permanently disabled

  • Additional financial support for the cost of returning to New Zealand if you were to become totally disabled while overseas

  • Comprehensive cover with built-in benefits to assist you during your recovery and the process of returning to work

  • A range of additional optional benefits to enhance your cover and/or to tailor it to your needs

  • A waiver of your waiting period if your disability returns within 12 months of going off claim

  • Access to our Cigna Client Benefits which offer a range of additional services

What type of information will I need to provide when I make a claim?

The information you need to provide when making an insurance claim will vary depending on the type of claim you are making. We will send you a claim form when you contact us that describes in detail the information you need to provide us to assess your claim.

Overlay