Mortgage Repayment
Helping ensure your home can be paid off or maintained, so your family can stay in the place they call home.
Life Cover provides a lump sum payment to your loved ones when you pass away, helping ease the financial burden at an already difficult time. It’s designed to protect thepeople who matter most to you and give them security when they need it most.
Life Cover is about peace of mind, knowing that even if the unexpected happens, your family will be financially supported and able to focus on what matters most.
Critical Conditions Cover is designed to pay a lump sum if you are diagnosed with one of a range of specified critical conditions covered under the policy. This payment is intended to provide financial support at a time when health, family, and lifestyle priorities may change.
Critical Conditions Cover is designed to provide financial flexibility during a significant health event. The suitability and level of cover will depend on individual circumstances, including family situation, financial commitments, and existing insurance arrangements.
Disability Income Protection is designed to provide a regular monthly payment if you are unable to work due to illness or injury for more than 10 hours per week, subject to the policy terms and conditions.The benefit is intended to replace a portion of your income—generally up to 75% of your usual earnings—helping you maintain financial stability while you recover.
Disability Income Protection is designed to support you while you are unable to work, rather than providing a lump sum. The suitability of this cover, along with benefit levels, waiting periods, and benefit periods, will depend on your occupation, income, and personal circumstances.
Mortgage Repayment Insurance is designed to provide a regular monthly payment if you are unable to work due to illness or injury, helping you continue to meet your mortgage commitments during that time.
The monthly benefit is generally based on the lesser of 115% of your monthly mortgage repayment or 45% of your income, subject to the policy terms and conditions. This structure is intended to help ensure your home loan payments can continue even if your income is reduced or stops altogether.
If you were unable to work or earn an income, meeting mortgage repayments and other financial obligations could become challenging. Mortgage Repayment Insurance is commonly considered to help:
Mortgage Repayment Insurance is designed to support specific housing related commitments and is not intended to replace full income. The suitability of this cover, including benefit levels, waiting periods, and benefit periods, will depend on your mortgage structure, income, and personal circumstances.
Health Cover is designed to help cover medical costs if you require private medical treatment. It can provide faster access to care, helping reduce waiting times and allowing you to receive treatment when it is needed.
In many cases, timely access to medical treatment can reduce the risk of a condition worsening. Avoiding long waiting lists may help minimise disruption to your income, work, and family life, allowing you to return to normal activities sooner.
Health Cover typically pays up to 100% of the agreed value for approved treatment, subject to policy terms and conditions. Cover may include a range of nominated procedures and services, such as:
Health Cover is designed to complement thepublic health system by providing choice, flexibility, and potentially fasteraccess to treatment. The suitability of this cover, including benefit limits,exclusions, and waiting periods, will depend on your health history andpersonal circumstances.
Have questions or need personalised advice?
Reach out to our expert team for guidance tailored to your insurance needs. We’re here to help you make informed decisions with confidence.
