Policies can cover both short-term and long-term disability, and family support including rehabilitation and return-to-work programs. We can help tailor income protection insurance to meet your needs and budget.
Yes, you can. However, coverage for pre-existing conditions varies among insurance providers. Some may cover these conditions after a waiting period, while others may exclude them. It's essential to disclose all health information during the application process to ensure you're properly covered. Remember, at NZ Insurances, we're on your side and strive to secure the best possible coverage for you. Sharing all your information with us can help us get you the best results.
It depends on the type of policy you have. Some policies are "own occupation" (pays out if you can’t perform your own job) while others are "any occupation" (pays out if you can’t perform any job).
Generally, income protection insurance does not cover unemployment, redundancy or job loss by choice. It is designed to cover you if you're unable to work due to sickness or injury.
Yes, typically there is a waiting period (or “deferred period”) which is the length of time you must be off work due to illness or injury before your policy starts to pay out.
This insurance typically covers a percentage of your gross salary until you can return to work or until the end of your benefit period. It can be used for mortgage repayments, rent, bills, and everyday living costs.
Income protection insurance pays you a regular income if you can't work due to illness or injury. It helps maintain your lifestyle and meet your financial commitments during recovery.