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Insurance Products

Insurance can be flexible. Stretch yourself.

You don't have to worry about what might happen tomorrow. Protecting your lifestyle, family and business is easy with the flexible design of our products.

Talk to us about the right combination.

Life Cover

Protect your family in the event of your death.

  • A lump sum payment if you die
  • Terminal illness and accidental injury cover, with access to an advanced death benefit of up to $20,000
  • Apply for additional cover when certain events occur without further medical evidence


Income Protection

Replace your earning if you can't work due to sickness or injury.

  • Your premium is automatically waived while you are receiving benefits
  • The ability to return to work during the waiting period
  • A death benefit of up to $60,000 should you die while you hold this cover


Total and Permanent Disability

Protect your finances if you suffer a total and permanent disability.

  • A lump sum payment if you suffer a total and permanent disability
  • Life Cover buy back option, so you can restore your Life Cover 12 months after the payment of a TPD benefit (extension only)
  • Partial payment benefit if you lose the use of one limb or sight in one eye (available outside super only)


Critical Illness

Protect you and your family financially if you become critically ill.

  • Cover for the most common critical conditions
  • Access to Best Doctors, a specialist medical information service, at no extra cost*
  • A lump sum payment if you suffer a critical condition


Child Critical Illness

Lighten the financial load of a serious illness and focus on your child getting better.

  • Access to Best Doctors, a specialist medical information service, at no extra cost*
  • A lump sum payment the first time your child suffers a critical condition or if your child dies
  • Up to $5,000 for the preparation of a written financial plan when a lump sum benefit of $100,000 or more is paid


Accidental Death

Protect your family if you die as a result of an accidental.

  • A lump sum payment when you die due to an accident
  • Up to $5,000 for the preparation of a written financial plan when a lump sum benefit of $100,000 or more is paid (outside super only)


Business Expenses

Keep your business going if you can't work due to sickness or injury.

  • Receive a monthly benefit for up to a year for certain business expenses incurred while you’re totally disabled
  • Choose a waiting period of 14 or 30 days
  • Your premiums are automatically waived while you’re receiving benefits


Occupationally Acquired Infection

Protect yourself against accidentally acquiring HIV, Hepatitis B or Hepatitis C.

  • A lump sum payment if you accidentally acquire HIV, Hepatitis B or Hepatitis C as a result of performing your normal duties in the health industry
  • Up to $5,000 for the preparation of a written financial plan when a lump sum benefit of $100,000 or more is paid


Other

We also offer a range of General, Loan and Group Life Insurance products.

  • General insurance
  • Loan insurance
  • Group Life insurance

* When accessing the service, you may incur personal expenses such as faxing or mailing any completed information and consent forms to Best Doctors.

Do you have any questions about insurance?

Here are some of the most common questions