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Disability cover
Mortgage and Living Insurance
If you’re unable to work due to sickness or injury, Mortgage & Living Insurance can provide regular payments to help with everyday expenses.
Mortgage and Living Insurance benefits
01
Income support
Pay you a regular benefit if you’re unable to work because of illness or injury.
02
Rehabilitation & retraining support
Helps you with your rehabilitation and retraining costs.
03
Recurrent disability
Pays you a regular benefit if you suffer the same sickness or disability within a year.
04
Family assist
We’ll pay for a nurse or family member to look after you at home for up to 6 months.
05
Dependent relative
We’ll pay you a monthly benefit for up to 6 months if you have to stop work to undertake full time care of a family member.
06
Return to work
Pays you a bonus benefit if you are able to return to work.
07
Income or mortgage update
Increase your cover up to 10% each year without any medical underwriting, if your income or mortgage payments increase.
08
Transition from Stepped to Level premiums
Ability to change how your premiums are structured.
Optional benefits you can choose to include:
Provides a discount if you choose to limit your benefit payment to two years for any claims related to mental illness.
Receive this benefit if you suffer any of 29 specified injuries (ranging from broken bones to paralysis). The benefit is payable even if you are still able to continue working. Check the policy document for the full list of injuries and payment periods.
Depending on the option you have selected the payment(s) will be either your monthly benefit for the payment period or a multiple of your Specific injury support benefit – lump sum sum insured.
Boosts your monthly benefit in the early stages of a claim.
Pays you a benefit while you’re waiting for your claim payments to start, if you’re confined to bed or diagnosed with a specified condition.
Work up to ten hours in your usual occupation without it affecting the benefit you receive.
Lets you cover your kids too.
