Protection for eight common major medical conditions.

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Get a quote online in minutes.

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Help protect against the financial impact of critical illness in minutes.

It only takes minutes to get a quote online or by phone. You’ll be covered straight away for some conditions once your application is accepted, with full cover for other conditions after 90 days.

Easy to apply — with no medical required.

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Grow by ANZ helps you look after the things you work hard for. Grow your knowledge and money together with banking, insurance, super, shares and insights in one app.

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Call 13 16 14

Talk to a specialist in our call centre: 8am–7pm (Sydney time), Monday to Friday.

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With everything you need to know to start protecting yourself against the financial impact of illness.

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Making a claim Show more

We understand that getting seriously ill or injured is very stressful. so we'have made our claims process as straightfoward as possible

To get started with a claim, simply:

  • Call 13 16 14
  • Write to Onepath Direct Insurance Claims, PO Box 4028 or 5/347 Kent St, Sydney, Sydney, 2000
  • Send a fax to 02 9234 5015
  • Email

We’ll send you the claims forms to fill in and send back to us. We’ll need an approved medical practitioner to diagnose and certify your condition. We may also need medical reports and Medicare records to help us assess your claim. 


As a handy tip, you can use Grow by ANZ to keep your policy details within easy reach for when you need them.​

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Important information Show more

  1. The maximum Critical Illness benefit is $1,125,000 for persons aged 18-44; $625,000 for persons aged 45-54 and $250,000 for persons aged 55-59.
  2. There is a qualifying period before we will pay a benefit for these conditions.
  3. These conditions must be diagnosed and certified by a medical practitioner.
  4. You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath Life Limited (OnePath Life) to start earning Qantas Points on eligible premiums you pay. Points are only earned on premiums you pay after OnePath Life has received your Qantas Frequent Flyer membership details. Points are earned in accordance with and are subject to the OnePath Life and Qantas Frequent Flyer Rewards Terms and Conditions (PDF 128kB). Membership and points are subject to Qantas Frequent Flyer program terms and conditions. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about these life insurance products or the information provided in this communication. Complimentary Qantas Frequent Flyer membership join fee waiver offered by OnePath Life. This complimentary offer may be withdrawn at any time.
  5. The discount will be included in the calculation of your annual premium amount as shown in your quote.
  6. The maximum Life benefit available is $2,250,000 for persons aged 18-44; $1,250,000 for persons aged 45-54 and $500,000 for persons aged 55-59.

* The monthly amount payable for a valid claim may be less than the Income Benefit selected at the time of application, depending on your ‘pre-claim earnings’ and ‘other payments’. The maximum monthly benefit available depends on your occupation category at time of application, and is up to $10,000 for a standard risk occupation, and up to $3,000 for a special risk occupation. When you apply, we will class your occupation as standard risk or special risk. If you are classed by us as having a special risk occupation, your Income Benefit is not payable for a disability caused by the occupational duties you perform.

Claims arising directly or indirectly from a pre-existing medical condition occurring in the two years before the policy acceptance date are not covered. A pre-existing medical condition is an injury, illness, condition or related symptom: that you (or a reasonable person in your position) were aware of, or should have been aware of; or for which you had, or were intending to have, a medical consultation; or  for which a reasonable person in your circumstances would have had a medical consultation. See the ANZ Income Protection Product Disclosure Statement and Policy for more information.

^ This amount includes all direct life insurance claims paid by OnePath Life Limited the insurer of the product. 

ANZ recommends that you read the Grow Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use Grow by ANZ. Share investments, Insurance and Super within Grow are not provided by ANZ but by entities which are not banks. ANZ does not guarantee these entities.​

ANZ does not represent or guarantee that access to Grow by ANZ will be uninterrupted. Temporary service disruptions may occur. Grow by ANZ is a trademark of ANZ.​

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Grow by ANZ is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.​