Protect your world by protecting your income

Why ANZ Income Protection?

Your income supports the lifestyle you enjoy. Where would you be without it? Whatever has put you out of work – your illness, injury, involuntary unemployment or looking after your seriously ill child – you could be left struggling to pay everyday expenses like your mortgage, rent, groceries or school fees. ANZ Income Protection can provide regular monthly payments, giving you financial support. You may not have chosen to stop work, but you can choose to keep the money coming in if you can’t work....

Get cover quickly and easily


Easily get a quote and apply online, it only takes a few minutes.


Get the app and apply with just a few taps.

Call 13 16 14

Call from 8am to 7pm AEST, Monday to Friday. Or request a call back and we’ll call you.

Learn about income protection

Income protection insurance FAQs

Understanding how income protection insurance works can be complex. See the frequently asked questions about income protection including cover length, waiting periods, exclusions and costs.

Seven benefits of income protection

Why have income protection insurance? We highlight seven important income protection benefits here.

Is income protection tax-deductible

Working out the tax treatment on your income protection premiums isn’t always simple. But here’s some points to help you work out what you can claim.

How long can you go without your income?

For a lot people, if something did happen, they'd find themselves in trouble pretty quickly. James Mathison looks into this for us. 


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Making a claim Show more

We know income protection claims come at an extremely stressful time. So we’ve made our claims process as simple and straightforward as we can.

Here’s how to claim:

Call us and tell us about your claim

  • Call 13 16 14 and advise us of the claim details
  • Have your policy details in reach, which is easy if you use the ANZ app
  • We’ll talk you through what needs to be done step-by-step

Complete your claim forms

Download and complete the below three claim forms:

Note: any costs incurred for consultation with your treating doctor is at your expense.

Include your supporting information

Before sending your claim forms, make sure you get copies of your necessary supporting information. This is:

  • A certified copy of an identification document such as your drivers licence or passport
  • Your last two tax returns including the Notice of Assessment. (If you are self-employed, you will need to send the Profit and Loss statements submitted with the tax returns)

Send your claim

Once you have your three claim forms completed and signed, a certified copy of your identification and last two tax returns, you can send your claim to:

  • Write to ANZ Income Protection Claims, PO Box 4028 Sydney, NSW, 2000
  • Send a fax to 02 9234 5015
  • Email

If we need any further information after we receive the forms, we will let you know.

Downloads Show more

Important information Show more

  1. Pre-existing medical conditions in the 2 years before the policy start date, and mental illness conditions are not covered in relation to the Income Cover. 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.
  2.  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. If we class you as having a Special Risk occupation, you won’t be covered for a disability caused by your occupational duties. If your occupation is classed as Special Risk it will be shown on your Policy Schedule.
  3. For Involuntary Unemployment Cover, the Benefit Period is 3 months and the Waiting Period is 30 days. Additional exclusions and conditions apply. Please refer to the ‘Involuntary Unemployment Cover – for when you’re made redundant, bankrupt or insolvent’ section of the PDS for full details.
  4. We only pay one Family Care Benefit for the duration of the policy, after which your Family Care Cover will end. For Family Care Cover, the Benefit Period is 3 months and the Waiting Period is 30 days. Additional exclusions and conditions apply. Please refer to the ‘Family Care Cover – for when your child is ill or injured' section of the PDS for full details.
  5. Benefits paid under ANZ Income Protection cover are generally seen as income replacement. Therefore the benefit payments should be treated as assessable income, and insurance premiums may be deductible for tax purposes. We recommend that you seek professional tax advice from an independent tax adviser, specific to your individual circumstances.
  6. You must be a Qantas Frequent Flyer member and correctly register valid membership details with OnePath Life Limited (OnePath Life) to start earning Qantas Points on eligible ANZ Insurance premiums you pay. Eligible ANZ Insurance Policies are the following ‘ANZ’ branded insurance policies: Term Life, Income Protection (including ANZ Income Protection), Trauma, Accidental Death and Total & Permanent Disability. A joining fee usually applies for the Qantas Frequent Flyer program, however, ANZ has arranged for this to be waived for new ANZ customers who join at This complimentary offer may be withdrawn at any time. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions available at Points are only earned on eligible premiums you pay after OnePath Life has received your Qantas Frequent Flyer membership details. Points are earned in accordance with the ‘OnePath and Qantas Frequent Flyer Rewards Terms and Conditions’ available at Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about the insurance product(s) in this communication.
  7. You can apply to: change how you pay your premiums and how often you pay them; increase your Income Cover if your earnings increase; pause your premium and cover; and to decrease your Income Cover. Once your policy is in place, you are unable to increase your Income Cover Benefit Period or decrease your Income Cover Waiting Period.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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