WageProtect

Secure your future with
Personal Income Protection Insurance

Accidents and sickness1 can have a sudden and devastating impact on your livelihood and your family. Let us protect what matters most to you.

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General Advice Warning

Any advice in this publication is of a general nature only and has been prepared without taking into account your personal objectives, financial situation or needs. You should consider the appropriateness of the advice, in light of your objectives, financial situation or needs before making any decision to acquire a financial product. Please obtain a copy of, and consider the Product Disclosure Statement (PDS) before making any decision.

What are the key features?

How would you pay your bills and maintain your lifestyle if you couldn't work? Personal Income Protection Insurance can help you stay on top of bills so you can focus on your recovery from accidents and sickness1.

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24 hour cover,
365 days a year

Be protected around the clock.

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Maximum entry age 59

For more details, please refer to FAQ, 'Who can apply?'

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Get paid regularly

If you’re unable to work due to accidents and sickness1, you will be supported with ongoing payments for up to 2 years subject to the terms of the PDS

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Premiums are potentially tax deductible

Please consult your accountant or financial adviser for advice.

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Broken / Fractured Bones Benefits up to $2,000

If you sustain an injury which results in broken/fractured bone(s), you may be eligible for a benefit payment up to $2,000.

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Access to the Best Doctors service

A global network of the best medical minds so you have greater confidence about decisions affecting your health.

The Key Features mentioned above are subject to the specific terms and conditions mentioned in the PDS.

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Changes to AHI Standard Definitions

The following definition is included in addition to the AHI Standard Definitions in the Policy Wording.

MENTAL HEALTH CONDITION means a condition, which is a Sickness, that an insured person is currently undergoing treatment for by a Certified Medical Practitioner AND psychiatrist or psychologist and results from an Insured Person directly or indirectly suffering from but not limited to stress, depression, anxiety, neurosis or any psychosomatic, psychological, psychotic, or other mental or nervous disorder.

What’s not covered?

Please refer to the "General Exclusions" section under the Product Disclosure Statement.

How much cover can I apply for?

You can choose to insure 85% of your Income2 up to a maximum weekly benefit of either:

$1,000
$1,500
$2,000

Death and Capital benefits package

For an additional cost you may also choose to add Death and Capital benefits package which include the following:

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Accidental
death cover ›

$100,000

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Driver Services ›

$1,000

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Home & Vehicle
Modification ›

$5,000

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Funeral
Expenses ›

$5,000

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Partner Employment
Training ›

$5,000

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Retraining &
Rehabilitation Expenses ›

$2,000

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Family Accommodation
& Transport Expenses ›

$2,000

The Key Features mentioned above are subject to the specific terms and conditions mentioned in the PDS.

Still got questions?

We’ve got the answers.

Income Protection provided by AHI is available to WageProtect customers who permanently reside in Australia and are:

  • 15 to 59
  • an Australian citizen or
  • an Australian permanent resident or
  • a New Zealand citizen

Please note that maximum entry age is age 59 and cover expires at age 65. For existing members, cover will change from the anniversary date of the policy after your 60th birthday. From age 60, a premium loading of 10% will be applied every year. Your cover will also change at age 60 as follows:

For Accident: up to 52 weeks of benefits
For Sickness: up to 26 weeks of benefits

Personal Income Protection insurance covers you (after a 21 day waiting period) for lost income due to an accident or sickness that prevents you from working for up to two years. Exclusions apply. Please refer to the PDS for full terms and conditions.

Please refer to the "General Exclusions" section under the Product Disclosure Statement.

Changes to general exclusions

The following exclusion is deleted from the General Exclusions in the Policy Wording.

15. No cover is provided for an Insured Person playing or training for any code of football with a registered club or Insured Person being a registered player.

Changes to AHI Standard Definitions

The following definition is included in addition to the AHI Standard Definitions in the Policy Wording.

MENTAL HEALTH CONDITION means a condition, which is a Sickness, that an insured person is currently undergoing treatment for by a Certified Medical Practitioner AND psychiatrist or psychologist and results from an Insured Person directly or indirectly suffering from but not limited to stress, depression, anxiety, neurosis or any psychosomatic, psychological, psychotic, or other mental or nervous disorder.

Things to consider

1 Accident and sickness both have specific meanings as set out in the Product Disclosure Statement
2 Please refer to the PDS for a definition of income.

Income Protection as described on this website, is provided and issued by Accident & Health International (AHI) ABN 26 053 335 952, AFSL 238261 and distributed by the Chifley Services Pty Ltd ABN 57 089 245 465, AFSL 245377 (Chifley). AHI is not part of Chifley and its related entities do not sell, issue or guarantee the obligations or performance of AHI or the products it offers and these insurance products do not represent a deposit with or liability of either AHI or any of its related bodies Corporate.

Chifley Services Pty Ltd ATF the Chifley Trading Trust [ACN 630 582 857] (Chifley) is a Corporate Authorised Representative of Coverforce Pty Limited [AFSL 238874 | CAR no. 1273963] and Coverforce Partners Pty Ltd [AFSL 245377 | CAR No. 1273964].

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