Income protection insurance
Income protection insurance
Your backup plan in case you become unable to work due to injury or sickness - so you can focus on the important stuff, like recovering.
- Get a quick quote and buy online, no medicals needed to apply
- Cover for up to 70% of your monthly pre-tax income* (up to $10,000 per month)
- Flexible benefit periods of two or five years
ahm health members get 10% off their premium!
ahm health members get 10% off their premium!
Why ahm income protection insurance?
Purchase online or by phone
Purchase online or by phone
Get the ball rolling with a quick quote online. Prefer to chat? No worries, we're here to help, just call 1300 508 940.
Tailor to suit your needs
Tailor to suit your needs
Our flexible cover options make it easy to choose cover that suits different needs and lifestyles.
Monthly benefit payments^
Monthly benefit payments^
Maintain your lifestyle with monthly benefit payments replacing a part of your income so you can focus on the important stuff, like recovering.
Features and Benefits
What’s included
Cover for up to 70% of your income
Australian residents aged 18-55 can apply for cover for up to 70% of their monthly pre-tax income (up to $10,000 per month)
Flexible benefit and waiting periods
Choose a benefit period of two or five years, and a waiting period of 30 or 90 days.
Monthly benefit payments^
Help maintain your lifestyle with monthly benefit payments replacing a part of your income.
Built-in benefits
A range of built-in benefits covering death and rehabilitation expenses.
Easy online claiming
Lodge your claim online 24/7, and get a dedicated claims consultant from the insurer to help you from start to finish.
ahm health member discount
ahm health members get 10% off their premium every year.
Make a claim
Make a claim
Lodge your claim online 24/7.
You'll get a dedicated claims consultant from the insurer to help you through from start to finish.
Looking for life insurance?
Looking for life insurance?
Sometimes you might need the full works to help avoid life’s meltdowns. Check out our flexible life insurance options.
Common questions
Things you should know
ahm Life Insurance and ahm Income Protection (collectively ahm life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119 distributes and services ahm life insurance which is promoted by ahm health insurance (ahm), a business of Medibank Private Limited ABN 47 080 890 259. Medibank Private Limited is an authorised representative AR No. 286089 of NEOS Direct. Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product. Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct’s Privacy Policy(opens in a new tab), ahm’s Privacy Policy or Zurich's Privacy Policy(opens in a new tab).
Eligibility criteria apply. Pre-tax income is defined in the PDS.
You must meet the conditions in the PDS to be eligible to claim. Please refer to the PDS.