Income protection
Need a hand? Get 1 month free* in your first year with ahm Income Protection. Purchase by 30 Nov.
- Get a quick quote and buy online, no medical tests 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 every year!
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 ahm Income Protection premiums every year.
Handy links
Stuff you might actually want to read
What income protection does not cover (a handy explainer)
Wondering what income protection does not cover? Here’s a simple breakdown of what’s usually excluded.
What is income protection?
What is income protection, and do you need it? Learn how it works, what it covers and more in this handy guide...
Things you should know
Offer starts 12:01am AEDT on 20 October 2026 and ends 11:59pm AEDT on 30 November 2026 (Promotion Period). Offer provides new customers with one month free in their first policy year (Discount) when they purchase ahm Life Insurance and/or Income Protection Insurance (Eligible Policy) during the Promotion Period, and provide the offer code AHM1MF, either on-line or over the phone. ahm Cash Boost policies are not eligible for this offer.
Where a customer purchased an Eligible Policy prior to or during the Promotion Period, and then adds additional cover types via a separate application during the Promotion Period (TPD Cover, Critical Illness Cover or Child Cover), the Discount will not apply to these additional cover types.Where a customer is an ahm health member, the Discount is in addition to the standard 10% health member discount. ahm health members continue to receive 10% off their premium every subsequent year, for so long as their health membership is maintained. The period that the Discount applies for will not change or extend despite the use of the Premium and Cover Pause Benefit, or the waiver of premiums in relation to an Income Protection claim (as outlined in the relevant PDS). The ahm health member discount does not apply to ahm Cash Boost.All terms and conditions, waiting periods, limitations and exclusions will apply to all cover purchased in accordance with the relevant PDS. We reserve the right to change the Promotion Period of the Discount. The Discount only applies if it is shown on the quote and/or application provided when applying. Not available with any other offer except for the ahm health member discount.⁺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.