HBF Ezicover Income Protection can provide a monthly benefit for up to 5 years if you are unable to work due to sickness or injury.

You can choose to use the monthly payments however you wish, be it to cover every day expenses, bills or financial commitments while you are recovering.

Cover is available for Australian citizens or residents, aged between 19 and 60.

Protect your lifestyle

Depending on your situation, you can be covered up to 75% of your pre-disability income if you have to stop work due to sickness or injury.

To find out more or apply for a policy call 1800 030 025 or you can apply online today.

Cover up to75%of your pre-disability income

Premiums generally tax deductible

The benefits*

Cover for more people

  • Monthly payments of 75% of pre-disability** income, up to $12,000 per month
  • Limited cover available for homemakers or people with employment of health restrictions (refer to PDS for details of limited cover) 

Extra help when needed

  • Lump sum payment for Heart attack**, Cancer** or Stroke** (as defined under the policy terms) with no waiting period**
  • A $500 Return-to-work benefit to help with extra expenses when claim ends
  • While we are paying you a monthly benefit**, we will waive your insurance premiums

Affordable - cover to suit your budget

  • Premiums** are generally tax deductible, and monthly benefits are generally tax assessable
  • Discount of 5.7% if you choose to pay your premium annually
  • 5% discount if you also have an HBF Ezicover Life Insurance policy
  • First month's cover FREE

Flexible - cover that meets your changing needs

  • Inflation protection available if your income regularly increases
  • If you experience financial hardship, you can request to reduce your sum insured and pay lower premiums for a period of time with the Reducing income feature. Alternatively, you can request to put your cover on hold for period of time with the Premium holiday feature.
  • World-wide cover
  • 30 day cooling off period
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