Income Protection Insurance – Zurich Life

Zurich Life Income Protection

Income Protection from Zurich Life, includes hospital cash payments and a guaranteed benefit increase option every 3 years, without the need to provide any further medical information. If you change your job, your policy will continue to protect you regardless of your new occupation and you can also choose to maintain cover during periods of unemployment.

Automatic Featured Benefits

Automatic Waiver of Premium

You will not have to pay your premiums while you are receiving an income benefit. During this time, your policy continues as normal, so that if you do return to work and at some stage in the future need to claim again your plan has continued unchanged.

Hospital Cash Benefit

A daily replacement income is paid if you are in hospital for more than seven days, during your deferred period.

Job Change Benefit

Your Income Protection Plan will continue to cover you if you change jobs, regardless of what your new job entails.

Linked Claims Benefit

We will immediately restart your benefit if you have a relapse within six months of returning to work – there will be no waiting period in this case.

Proportionate Benefit

If you return to work part or full-time either in your old job or a new career, and your new earnings are less than previously earned, you may be eligible to receive a partial benefit.

Guaranteed Increase Option

This option allows you to increase your income benefit by 20% of your original amount without having to provide new evidence of health. This offer will be made to you every three years, five times over the life of your policy, allowing you to increase your benefit by 100% of the original benefit amount.