CHINESE
Income Insurance
In New Zealand, if illness or injury stops you from earning your usual income, income protection or mortgage protection insurance can pay you a fixed monthly benefit. It helps cover everyday living costs, education, loan repayments and medical bills, easing the financial pressure on you and your family.
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Why take out income protection insurance?
A steady income is what keeps family life on track. Income protection or mortgage protection cover means you still have a regular income if you are unable to work. Best of all, within set limits, you choose how much monthly benefit you receive and for how long.
Insurers can also help with rehabilitation, vocational training, home modifications or specialist disability equipment, so you can recover and get back to work sooner.
- A fixed monthly benefit to cover everyday expenses, loan repayments, education and medical costs
- Vocational training to help you return to work as soon as possible
- Rehabilitation programmes
- Help with home modifications or specialist disability equipment
What income protection in New Zealand typically covers:
- Total and partial disability
- Rehabilitation programmes
- Vocational retraining
- Home modifications or specialist disability equipment
- Home care
- Travel costs to return to New Zealand from overseas
- Premium suspension