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Get 10% off ahm income protection

Sign up to ahm income protection by 31 July 2024 and you'll enjoy 10% offº your premium in the first year. Plus, ahm health members enjoy an extra 10% off.

  • 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
Get a quick quote(opens in a new tab)

ahm health members get 10% off their premium!

Why ahm income protection insurance?

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

Our flexible cover options make it easy to choose cover that suits different needs and lifestyles.

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

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?

Sometimes you might need the full works to help avoid life’s meltdowns. Check out our flexible life insurance options.

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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.


First year discount terms and conditions - Offer starts 12.01am AEST on 7 May 2024 and ends 11.59pm AEST on 31 July 2024 (Promotion Period). Customers who purchase an ahm Life Insurance or ahm Income Protection policy for the first time (Eligible Policy), either online or over the phone during the Promotion Period will receive a 10% discount (Discount) on the premiums payable during the first 12 months their policy is in force. The Discount will also apply to any customers who start or resume their application of an Eligible Policy, during the Promotion Period, and then complete the purchase of the same application prior to that application expiring. 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. The two discounts combined, amount to a total of 20% off the first year’s premiums. ahm health members continue to receive 10% off their premium every subsequent year, for so long as their health membership is maintained. All discounts are applied to the annualized premium amount and before the deduction of all applicable taxes. The Discount will end on the first policy anniversary date. 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). 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 provided when applying. Not available with any other offer except for the ahm health member discount.