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Our income protection insurance policy—Gold Disability Income Cover—can help pay bills and important expenses if illness stops you working. |
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Quotes and application
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Contact us for a quote or to apply for insurance |
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phone 0800 177 277
(Monday to Friday,
8am to 8.30pm;
Saturday
9am to 3pm) |
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Westpac branches |
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Make a claim
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Contact us to make a claim |
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from NZ phone 0800 738 641
(8am to 5.30pm,
Monday to Friday) |
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from overseas phone +64 3 372 4855 |
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Westpac branches |
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Contact us
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Contact us for general enquiries |
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email |
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phone 0800 400 600
(7am to 11pm,
7 days a week) |
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Westpac branches |
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| Income protection insurance features include |
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insure up to 75% of your income before tax |
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available if you’re aged 19-60 |
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if your premium payments are up to date, and you’re earning, you can renew your policy up to age 65—no matter how your health is |
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choice of four benefit period options, either 1, 3 or 10 years or until you reach 65 years |
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if you’re disabled and receiving monthly claim payments, these payments will automatically be inflation-adjusted each year |
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you pay no premiums while on claim |
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30-day free look period if you decide income protection insurance isn’t for you. |
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| Income protection insurance is |
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for New Zealand residents aged between 19 and 60 who earn a regular income—either self-employed or working fulltime (at least 30 hours a week). |
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| You can apply to insure up to 75% of your earned monthly income (before tax) in case you become totally disabled by illness and can’t work. |
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| The actual amount you receive |
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depends on entitlements you receive from ACC, Work and Income NZ, or other insurance products e.g. if you’re eligible to receive 80% of your usual income from ACC you won’t receive benefits under this policy.
Remember, ACC doesn’t cover illness such as cancer or heart disease. |
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| Choose a waiting period to suit you |
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this is the period you’ll wait, after being disabled, until your claim payments start |
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choose from 30, 60, 90, 180 or 365 days |
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the longer the waiting period, the lower the premium |
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payments can be made until you’re fit to return to work, the benefit period expires, or you die. |
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| Full terms, conditions and exclusions can be found in the policy document. |
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