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If I take out a joint cover policy, and only one of us is claiming, what will you pay?
We will pay the specified monthly benefit on the policy for the individual. If an additional premium is not paid, then we will pay half the specified monthly benefit.
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What is full-time employment?
Full-time employment means that you are earning money by working on a permanent and continuous basis for at least 20 hours every week. It doesn’t include seasonal, casual or temporary employment, or work under a non-renewable contract.
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What if I need to change employer during the term of the cover?
Your cover is completely portable between jobs; however, if you need to make a claim for unemployment you must have been in continuous work for six months with that employer before the claim. Please feel free to contact us to discuss your individual circumstances.
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Is there a stand down period?
Yes. Different claims have different stand down periods. Read the terms, conditions and exclusions for full details.
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Can I still make a claim if I am receiving ACC payments or sick pay?
Yes you can. Your policy pays over and above any other income.
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What should be disclosed?
If you are unsure please disclose any medical conditions otherwise any future claims could be declined.
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Will I still get cover if my occupation is considered dangerous?
Yes – there are no occupational restrictions. However, some dangerous recreational activities such as motor vehicle racing and scuba diving are not covered. Please refer to the policy terms, conditions and exclusions document for full details.
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How long can I have the policy for?
For a maximum of five years.
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How do I make a Lifestyle Protection Insurance claim?
Give us a call on 0800 500 555 from Monday to Friday 8am to 6pm and we will get your claim underway immediately.
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What is a pre-existing condition?
A pre-existing condition is any illness, injury or condition that you have before the start date of the policy.