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.

Cover you can count on

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Help when you need it most.

In the 2013 financial year, we paid out $13.7 million in life insurance claims^, helping thousands of Australians and their families with vital financial support in a time of need.

If you need us, we’ll be there to help.

^ View conditions

How to apply or find out more


It only takes a few minutes to get started. Get a quote or apply online today.

Call 13 16 14

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

Request an info pack

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 ANZ Critical Illness Cover, PO Box 4028 or Level 9, 242 Pitt St, Sydney, 2000
  • Send a fax to 02 8937 7121
  • 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. 


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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.