Zurich’s Accident Income insurance offers MEDICAL FREE cover, to help protect your income if you are unable to work due to an accidental injury.

Key policy information:

Entry ages19 - 60
Expiry age65
Minimum sum insured$500/month
Maximum sum insured$4,000/month
Cooling off period30 Days
Benefit period12 Months
Waiting period30 days

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  • Cover up to 75% of Your Income
  • Tax Deductible Premiums
  • Medical free cover
  • Immediate cover available!
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What does Zurich Ezicover Accident Income cover?

Zurich Ezicover Accident Insurance covers up to 75% of your income if you are unable to work in your usual occupation due to an accidental injury.

How do I apply?

To apply simply call us on 1300 135 205 and we can do your application straight away over the phone. Otherwise click on the link below to complete the application yourself:

Zurich Ezicover ® Accidental Income

What benefit amounts are available?

You can select the following monthly benefit amounts:

  • $2,000
  • $2,500
  • $3,000
  • $3,500
  • $4,000

Remember, the benefit amount can only be a maximum of 75% of your income.

What is an accidental injury?

An accidental injury means:

‘Bodily injury caused by accidental, violent, external and visible means while the policy is current’

– Ezicover ® Accident Income PDS

What is your ‘usual occupation’?

Your usual occupation is:

‘The occupation you predominantly performed in the 12 months before the accident injury. If you have been on a form of Leave (maternity, paternity, long service) for more than 12 consecutive months, your usual occupation is any occupation you are capable of performing.

– Ezicover ® Accident Income PDS

Built-in features:

Accident income benefit

Pays you a monthly benefit if you are unable to work in your usual occupation due to an accidental injury.

Claim continuation benefit

If you have returned to work following a claim and are again unable to work due to the same injury:

  • Within 6 months of returning to work you will not be required to go through your waiting period again.
  • After 6 months of returning to work you will be required to go through your 30 day waiting period again.

Waiting period extension

If you return to work during your benefit period for a maximum of 5 consecutive days, your waiting period will not restart and will be extended by the number of days you returned to work.

Family benefit

If you pass way due to an accident, Zurich will pay your spouse your monthly benefit for a period of up to 6 months. Premiums will also be waived during this time.

24 hour cover

Zurich Ezicover Accident Income covers you 24 hours a day, 7 days a week, anywhere in the world.

Guaranteed Renewable

As long as you pay your premiums and meet your obligations, Zurich cannot cancel your policy.

Partial Payment

Pays 1/30th of your monthly benefit for each year you are entitled to receive it.

When does the benefit stop being paid?

The benefit will stop being paid if:

  • Your return to work
  • You stop being under the care of a medical practitioner
  • You stop following medical advice
  • You have reached the end of the 12 month benefit period
  • Your death
  • Your policy expires

When does the cover end?

The cover will end when:

  • The family benefit is paid
  • Premiums are not paid within 30 days of due date
  • On written notification from the policy owner to cancel the policy
  • On your 65th birthday
  • Your death

Can I increase my cover?

Yes you are allowed to increase your cover up the maximum of $4,000 per month.

Ask an Expert?


  • Sagie Naidoo

    Does your income protection cover include emergency services personnel? I am a correctional officer. If so is there a loading?

    • Specialist

      Hi. Thank you for submitting this question.

      Yes, select emergency personal may be able to obtain income protection cover. Your occupation will generally be classified as a Special Risk occupation, specially customized for individuals in hazardous occupations. As you would know select occupations pose a higher risk of injury and illness therefore are priced accordingly.

      In relation to Correctional officers, the insurer’s we currently use may consider offering cover if your role is Administration / Managerial only. However Guards or Wardens are generally harder to source cover for, therefore in order for us to assist you with your personal occupation, please submit your information here. Alternatively you can call us on 1300 135 205 and a specialist will guide you through the process.

      I Hope you found this information helpful.


      Russell Cain

  • rooster

    Does this accident insurance cover dirt bike riding ?

    • Specialist

      Hi Rooster,

      Thanks so much for your comment.

      The Ezicover Accident Income does exclude participation in or training for speed contests and professional sports. However, that’s not to say Zurich won’t cover you for dirt bike riding.
      In order for us to give you the best possible advice, one of our experienced consultants would need to ask you a few questions regarding this sport. Please fill in the quote form above and one will give you a call a.s.a.p.

      If you don’t feel ready to speak to a professional, I suggest giving our quote index a try and compare different insurers at your convenience.

      We look forward to chatting with you.

      Kind regards
      Russell Cain