Income Protection Insurance

Australian residents aged 18-60 can apply.

We also cover those who traditionally can’t apply for income protection because of their health, lifestyle or occupation including:

• Contractors
• Part-time workers
• Stay-at-home parents
• Self-employed people in business less than six months
• Employed people who have been with their existing employers for less than 12 months
• People with pre-existing medical conditions.

You're covered for Income protection to help replace your income if sickness or injury prevents you from working.

You can also choose to add the following Optional Covers to your policy:

• Involuntary Unemployment Cover
• Holiday Injury Cover
• Kids Injury Cover
• Permanent Disability Cover

For more details about your coverage and available Optional Covers, please refer to the Product Disclosure Statement (PDS).

Our Income Protection Insurance excludes:

• Mental health disorders
• Drug and alcohol related sickness or injury
• Normal and uncomplicated pregnancy
• Any intentional self-inflicted act
• Cancer, stroke or heart attack in the first six months from when your cover starts
• Sickness or injury due to war, terrorism or criminal activity
• If you weren't able to, or only partially able to, perform your regular daily activities before your policy start date.

For more details about what isn’t covered, please refer to the Product Disclosure Statement.

Yes, simply call us on 132 825 and we’ll help adjust your cover. When you call, we may ask some more information about your health and lifestyle.

Please note, if you increase your level of cover, your premiums may also go up.

Income Protection premiums are generally tax deductible. However, your claim payments are usually taxed as part of your personal income.

Please check with your accountant to ensure this applies to your own tax situation.

While some super funds offer Income Protection, many don’t. It’s important to check whether your super includes Income Protection and how much it offers, as some may not give you the level of cover you need.

With NRMA Income Protection, you’re in control. You choose your level of cover, and the waiting and payout period. You can even select optional extras for a little extra cover where you need it, such as Involuntary Unemployment Cover.

If you have Income protection through your Super, check to see:

• If you can choose how long you’d like to be paid for
• How much cover it provides
• How much time must past, before you get paid.

Translation services

For customers who don't speak English, we offer a free Translation and Interpretive (TIS) government service.

You can access this by calling TIS on 131 450. TIS will organise a translator for the language you need, then they'll call us. NRMA Income Protection covers the full cost of the translation service.

We can also arrange an appointment in advance with a phone interpreter. Please speak to your customer service representative or personal claims manager.

National Relay Service (NRS)

We use the NRS to ensure we're accessible to customers with a hearing or speech impairment.

You can access an NRMA Income Protection phone number using one of the services below. Remember to provide the number you want to contact.

• TTY (Text Telephone): Call 133 677
• Speak and Listen (speech-to-speech relay): Call 1300 555 727
• Internet relay: Visit the NRS website