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.
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In order to claim under this policy option you must be:
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.
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.
The benefit may end:
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.
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.
The specified injury benefits pays you a benefit if you suffer from a specified injury, even if you still working, with no waiting period applicable!
Comparing an Agreed or Indemnity Value income protection is an important consideration. We detail the pros and cons of each, to help you find the best!
To find the right income protection policy that will suit your needs and budget you first have to understand all the policy types, additional options and premium structures available to you. We explain some of the most important factors you need to consider before making a decision.
Comprehensive comparison of agreed value vs. indemnity value income protection policies plus who they suit and how you prove your income
Include the lump sum benefit option and be eligible to receive a non tax assessable lump sum benefit, adding greater flexibility to your income protection policy at claim time.
Doctors, nurses and other medical professionals should consider adding Needlestick cover to their income protection policy to cover them for Needlestick injuries.
