Bed Confinement

The Bed Confinement Option allows for you to receive a part of your monthly benefit if you are confined to a bed for more than 3 consecutive days during your waiting period.

This is generally an additional option however select life insurance companies may offer this option as part of their standard income protection policies.

How does the bed confinement option work?

In order to claim under this policy option you must be:

How much can I receive from this benefit?

For each day you are confined to a bed during the waiting period you will receive 1/30th of your monthly benefit. Generally this is paid monthly in arrears.

When does the bed confinement benefit begin?

The benefit begins after you have been confined to a bed for 3 consecutive days. Select insurers may include the first 3 days of your confinement period in your benefit, however generally your benefit will only begin after the first 3 days.

When would the benefit end?

The benefit may end:

The Benefits of the Bed Confinement Option

Generally, life insurance companies will only start paying your regular income protection monthly benefit once the waiting period is over. However the Bed Confinement Option allows to start receiving a portion of your benefit even during the waiting period.

What is meant by ‘bed confinement’?

Bed confinement is generally when you are:

Please note that different policies may have additional requirements and it is important to consult the Product Disclosure Statement or speak to one of our staff.