We understand there are more important things in life than work. Things like your family, your home and your lifestyle. However, accidents do happen. Sickness, injury or involuntary redundancy could affect your lifestyle and the world you’ve worked so hard to build. Virgin Income Protection will help replace lost income, so you can protect what you love when things aren’t going your way.

Cover over 1,000 job types, whatever your working situation

Full-time, part-time or self-employed. We cover over 1,000 job types, including options for stay-at-home parents.

Optional cover for involuntary redundancy, so you can sort out your next move

With Virgin Income Protection, you can get covered for more than just sickness and injury. There’s optional cover for involuntary redundancy too. Involuntary Unemployment Cover will help keep things on an even keel while you’re actively seeking work. It’s a great option that few insurers offer.

Example of how it works:

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Purchase a policy
and add Involuntary
Unemployment cover

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After 6 months of
continuous employment
on a permanent basis

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You’re made
involuntarily
redundant

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28 days later,
and you’re still
unemployed

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Receive up to 85%
of your pre-tax
income, up to $3,000
per month, for up to
3 months. Benefits
paid monthly in arrears.

If you are self-employed, the benefit covers business insolvency that has not been apparent in the 6 months prior to or after policy commencement. For full terms and conditions refer to the Product Disclosure Statement (PDS).

Easy to apply, with two simple ways to get covered

There are no lengthy forms to fill out and no medical or blood tests when you apply either.

  • Quick & Easy
    Get cover in a few minutes with no lengthy health questions asked.
  • Tailored cover
    Protecting what matters most, is different for everyone. That’s why our Income Protection can be tailored to suit your needs. Answer some health questions and tailor your insurance so it works for you. Plus, you get to nominate the amount of cover, and waiting and benefit periods.

See the (PDS) for details.

Includes Bonus Cover^ so you can accrue benefits faster

Get more from Virgin Income Protection. Unlike other insurers, if you experience a common injury or illness, such as a fracture, your benefits will start accumulating from the day of your accident or diagnosis rather than after the regular waiting period. This will help ease the financial burden so you can focus on full recovery.

See the PDS for details.

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day money back guarantee

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Premiums may be tax deductible

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5% discount for couples

Tailored – Tailoring your cover by answering some health & lifestyle questions and in return you could reduce your premium

Who is it for?

Aussie Residents aged

18 – 60

and are in stable employment

and are happy to answer

health & lifestyle questions.

What is the maximum cover amount?

Working?

Up to 85% of

pre-tax monthly income

up to $10,000 per month.

How long is my waiting period?

Choose the number of days

14, 28, 60 or 90

How long will my benefit be paid for?

Choose between

6, 12 or 24 months

or 5 years.

For full details on the two cover types read the PDS.

Quick & Easy – On the spot* cover with no lengthy health or lifestyle questions asked.

Who is it for?

Aussie Residents aged

18 – 60

and stay at home parents; or

people who are in stable employment.

What is the maximum cover amount?

Working?

Up to 85% of pre-tax monthly income up to $7,500 per month.

Not working?

up to $3,000 per month.

How long is my waiting period?

Income protection 28 days icon

How long will my benefit be paid for?

Choose between

6, 12 or 24 months

Exclusions (including Pre-Existing Medical Conditions) and cover limits apply see the PDS for more details.

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Permanent Disability Cover

This option pays out a lump sum if you are permanently disabled and unable to perform the regular daily activities necessary for you to maintain physical independence. Conditions apply.

View more information about this option >

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Holiday Injury Cover

Doubles the payout of the first month’s benefit (up to a maximum of $3,000), if the accidental event leading to your claim happens during state school and public holidays or while you’re 200km or more from home. Conditions apply.

View more information about this option >

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Kids Injury Cover

Provides a cash payout to help with costs associated with the treatment and recovery of common childhood injuries, or the time an adult may be off work to be with their child. Conditions apply.

View more information about this option >

For insurance that makes perfect sense, get a Virgin Income Protection quote today

Important Stuff

Virgin Income Protection is available to Australian residents between 18-60 years of age. Applications subject to acceptance.

^Bonus Cover is only applicable to certain specified illnesses and injuries. Refer to PDS for details

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