Ezicover Income Protection

About Ezicover Income Protection

Your ability to earn an income is your most important financial asset. Think about it: your salary funds your mortgage, your children’s schooling, your retirement savings, and your everyday life. Yet most Australians insure their car and their home without ever insuring the income that pays for everything.

Ezicover Income Protection from Zurich is built to fill that gap — providing up to 70% of your pre-tax monthly income if sickness or injury stops you from working, so life doesn’t have to grind to a halt while you recover.

Don’t leave your income unprotected.

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What Is Ezicover Income Protection?

Ezicover Income Protection is a monthly benefit insurance policy. If you become unable to work due to sickness or injury, Zurich pays you a regular monthly amount, up to 70% of your pre-tax income, capped at $12,000 per month, once your chosen waiting period has passed.

The benefit is designed to cover your real-life ongoing costs: rent or mortgage repayments, utility bills, school fees, groceries — the kind of expenses that don’t stop just because your pay cheque does.

Partial Disability Benefit

If you return to work in a reduced capacity — say, part-time or in a different role — Zurich may still pay a partial benefit to top up the income you’re earning. This helps bridge the gap during a phased recovery, rather than creating a cliff-edge when you start working again.

What are the eligibility requirements?

To apply for Zurich’s Ezicover Income Protection, you need to meet the following criteria:

To apply for this policy, each person to be insured must be aged between 19 and 60 years old, and be an Australian or New Zealand citizen or hold an Australian Permanent Residency Visa.

To be eligible for income protection cover, you must be working between 20 and 60 hours per week.

Either you are permanently employed (full-time or part-time) or self-employed.

Non-permanent workers (casual, contract or temporary) are eligible with at least 2 years of consistent income history.

Why do users choose it?

Ezicover Income Protection from Zurich is most relevant for anyone whose financial commitments such as mortgage, rent, bills, school fees, etc. depend on a regular pay cheque continuing to arrive.

Zurich understands that financial situations can change. Ezicover Income Protection includes two helpful features to keep you covered during hard times.

Reducing Income

Temporarily reduce your level of cover
Correspondingly reduces your premium payments
Allows you to retain some protection rather than cancelling altogether
Available while your financial situation is strained

Cover Suspension

Pause your cover and premium payments entirely for up to 12 months
Useful during career breaks, parental leave or extended periods of financial difficulty
Cover can be reinstated when you’re ready to resume
Check the PDS for full terms and conditions

Keep Your Income Protected

with Ezicover Income Protection

Get a Quote Now

Features

Up to 70% of Your Income

Benefit payments up to 70% of pre-tax monthly income, capped at $12,000 per month — enough to keep most households financially stable during a period of recovery.

Flexible Benefit Periods

Choose a benefit period of 1, 2 or 5 years to suit your budget and risk appetite. A longer benefit period gives more protection while shorter periods keep premiums lower.

Flexible Waiting Periods

Select your waiting period — 30, 60 or 90 days — before benefits begin. A longer waiting period reduces your premium. Use savings or sick leave to cover the gap.

Sickness & Injury, or Injury Only

Choose comprehensive cover for both sickness and injury, or opt for injury-only cover at a lower premium. Tailor the policy to your occupation and lifestyle risk profile.

Premiums Waived During a Claim

You won’t have to pay your premium while you’re receiving income protection benefits. That’s one less thing to worry about during an already stressful time.

Hassle-Free Online Application

Apply on any device, online or over the phone. Getting covered is quick and easy with us.

Who Needs Income Protection Cover

Established Families

When the household depends on your income, protecting it protects everyone in it. If illness or injury stopped you working, Ezicover Income Protection keeps up to 70% of your pre-tax income flowing — so the mortgage, school fees and everyday bills are still covered while you recover.

Economically Pressured Households

When every dollar matters, the stakes of losing your income are even higher. An affordable income protection policy, even at a basic level with a longer waiting period, can be the difference between managing through a setback and financial freefall.

Emerging Families

New home, new baby, reduced household income while a partner returns from parental leave, this is one of the most financially vulnerable phases of life. Income protection ensures the family’s new commitments don’t unravel if the primary earner can’t work.

Complimentary Legal Will via Willed*

Hold your Ezicover Income Protection policy for at least 12 months and receive a complimentary online will worth AU$159
Create a legal will in as little as 15 minutes through the Willed platform
Already have a will? Pass the offer on to a friend or family member

Loving Life Rewards*

Access over 8,000 lifestyle and entertainment offers via a smartphone app
Enjoy two-for-one deals and up to 20% off dining, activities, travel, shopping, gift cards and more
Powered by the Entertainment Group — one of Australia’s most popular rewards platforms

* This limited time offer is available to any Policyholder who has purchased, or purchases, an Ezicover Life Insurance, Ezicover Income Protection or Zurich Home Loan Protection policy on or after 27 January 2023 and holds the relevant policy for at least 12 months. The offer must be redeemed while the relevant policy remains in force. Terms and conditions apply. Zurich may withdraw this offer at anytime, subject to applicable laws.

The offer consists of a complimentary will (RRP value AU$159.00), provided by Willed Pty Ltd ABN 20 638 925 032 (“Willed”) of Gardenvale Road, Gardenvale, VIC, 3185, through their technology platform that allows the creation of estate planning solutions using its forms and other information, where a customer holds (as policyholder) an eligible policy for a 12 month period. Click here to view Willed terms and conditions.

The Zurich Loving Life App and the underlying offers and discounts are provided for Zurich by Entertainment Publications of Australia Pty Ltd, ABN 85 065 011 903 of 53-55 Herbert Street, Artarmon NSW 2064 (‘Entertainment’). Click here to view Loving Life terms and conditions.

The promoter of the free online legal Will and Zurich Loving Life is Zurich Australia Limited, ABN 92 000 010 195 (‘Zurich’) of 118 Mount Street, North Sydney, NSW 2060. Zurich makes no warranty and accepts no liability in relation to the quality, suitability or value of the free online Will offers or Zurich Loving Life offers. Customers should make their own enquiries.

By participating in these offers, you agree that you have read and understood their Terms and Conditions and agree to be bound by them. Zurich and its partners collect, use and disclose your personal information in accordance with their privacy policy.

Disclosure

Ezicover Life Insurance, Ezicover Income Protection, and Zurich Home Loan Protection are issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich) of 118 Mount Street, North Sydney, NSW 2060. Ezicover is a registered trademark of Zurich.

The information on this website does not take into account your personal objectives, financial situation or needs. You should consider these factors and the appropriateness of the information to you. Consider seeking advice specific to your individual circumstances from an appropriate professional. You should also consider the Product Disclosure Statement (PDS) for the product available here, or by calling 1800 631 807, in deciding whether to acquire or to continue to hold the product. A Target Market Determination for the product is available here.

Zurich has prepared the information on this website and 1300 Insurance Pty Ltd ACN 124 845 727 (1300 Insurance) is simply passing this information on to you. 1300 Insurance acts as referrer for these products. 1300 Insurance does not recommend, endorse or advise you about this insurance. They can only refer you to Zurich. If you buy a policy 1300 Insurance will receive from Zurich a commission of 20% (plus GST) of premiums paid. This amount is paid by Zurich and is not an additional cost to you.

Life Insurance

Income Protection

Home Loan Protection