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American Express® Income Protection

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Ezicover Income Protection1

American Express Ezicover Income Protection can help protect your income and maintain your lifestyle if you are unable to work due to sickness or injury.

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Help protect your lifestyle

For most of us, the lifestyle we enjoy is thanks to our ability to work and earn an income. But life doesn’t always run smoothly. If you were unable to work for a prolonged period of time due to sickness and injury, do you have an option in place to protect your income and maintain the lifestyle you’ve built for your family?

Learn More

Ezicover Income Protection Insurance

American Express Ezicover Income Protection, issued by Zurich, is an insurance product designed to help protect your income and maintain your lifestyle if you are unable to work due to sickness or injury. There are two cover types:

  • Sickness & Injury cover, and
  • Injury Only cover
If you have a medical condition or history that prevents you getting Sickness & Injury cover, Injury Only cover may be available.

Sickness & Injury

Sickness & Injury cover can pay a monthly benefit while you are disabled and unable to work in any occupation solely due to sickness or injury.

Injury Only

Injury only cover can pay a monthly benefit while you are disabled and unable to work in any occupation solely due to injury.




Sales

1800 990 159 
(Mon to Fri, 9am to 5pm AEST)

GET A QUOTE

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You are now leaving the American Express website and entering the Zurich Ezicover website. All the information you provide will be subject to Zurich security and privacy policy.



Top Reasons to consider American Express Ezicover Income Protection+

Words in italics have special meanings as set out in the policy. Throughout this page, ‘Zurich’, ‘us’, ‘our’ and ‘we’ means Zurich Australia Limited; ‘American Express’ means American Express Australia Limited and ‘you’ and ‘your’ means the policy owner who is also the life insured. Please refer to the American Express Ezicover Income Protection Product Disclosure Statement for full definitions.

COVER FOR MORE PEOPLE COVER FOR MORE PEOPLE
• Monthly payments of up to 75% of pre-disability income, up to $12,000 per month 
• Specific terms of cover available for people with health restrictions (Injury only cover)
EXTRA HELP WHEN NEEDED EXTRA HELP WHEN NEEDED
• After 90 days continuous cover lump sum payout for Heart attack, Cancer or Stroke with no waiting period (for Sickness & Injury cover only)
• A single $500 Return-to-work benefit to help with extra expenses when claim ends    
• While we are paying you a monthly benefit, we will waive your insurance premiums
COVER TO SUIT YOUR BUDGET COVER TO SUIT YOUR BUDGET
Premiums are generally tax deductible, and monthly benefits are generally tax assessable 
• Discount of 5.7% if you choose to pay your premium annually
• 5% discount if you also have an American Express Ezicover Life insurance policy. 
• First month’s premium is waived
FLEXIBLE – COVER FLEXIBLE – COVER THAT MEETS YOUR CHANGING NEEDS
• Inflation protection available if your income regularly increases
• Once your Policy has been in place for 12 continuous months, if you ever need a little help, you can keep your cover going by reducing your sum insured with the Reducing income feature, or put your cover on hold with the Premium holiday feature
• Applying is quick and easy
• Online or phone application
• World-wide cover subject to exclusions. For more information, see ‘Exclusions - what are you not covered for?’ in the Product Disclosure Statement PDS and visit https://www.dfat.gov.au/travel

How do I apply?

Applying for American Express Ezicover Income Protection is simple. We will support you through the application process and you can apply online or call one of our friendly consultants.


Sales

1800 990 159 
(Mon to Fri, 9am to 5pm AEST)

APPLY NOW

Please wait a moment.
You are now leaving the American Express website and entering the Zurich Ezicover website. All the information you provide will be subject to Zurich security and privacy policy.






What cover can I apply for?


American Express Ezicover Income Protection has two cover types:

  • Sickness & Injury
  • Injury Only

To apply for Ezicover Income Protection, you need to be permanently employed and working between 20 and 60 hours per week, or are employed in a non-permanent position or are self employed and have been working between 20 and 60 hours per week and with consistent income for at least 2 years.

If you have selected to apply for Sickness & Injury cover but have a medical condition that makes it difficult for us to offer this cover to you, we may be able to offer you Injury Only Income cover at a lower cost.

Frequently Asked Questions

blue_tickAbout American Express Ezicover Income Protection

direction_arrow_blue_down Who is it for?

direction_arrow_blue_down What is the waiting period ?

direction_arrow_blue_down What is the benefit period?

direction_arrow_blue_down How frequently are benefits paid?

direction_arrow_blue_down What cover amounts are available?

direction_arrow_blue_down Is proof of income required at application?

direction_arrow_blue_down Will benefits be reduced at claim time for income received from other sources?

direction_arrow_blue_down When are you eligible for a benefit?

direction_arrow_blue_down How long will the benefit payment go for?

blue_tickGeneral Questions

direction_arrow_blue_down What is Ezicover Income Protection?

direction_arrow_blue_down Who can apply for American Express Ezicover Income Protection?

direction_arrow_blue_down How do I apply for cover?

direction_arrow_blue_down What cover amounts are available?

direction_arrow_blue_down Can I be covered if I travel outside Australia?

blue_tickPolicy Questions

direction_arrow_blue_down Are there any Exclusions?

direction_arrow_blue_down How does the waiting period work?

direction_arrow_blue_down What is the cost of cover?

direction_arrow_blue_down Will my premiums change over time?

direction_arrow_blue_down When does my cover begin?

direction_arrow_blue_down When does my cover end?

direction_arrow_blue_down Is there a cooling off period?

Product Disclosure Statement (PDS)

For full details of American Express Ezicover Income Protection, issued by Zurich, including terms, conditions and exclusions, please refer to the following Product Disclosure Statement:

American Express Ezicover Income Protection PDS

About Zurich

American Express is proud to partner with Zurich, who issue and manage your Ezicover Income Protection.

Zurich Australia Limited (Zurich Australia) is a member of the Swiss-based worldwide Zurich insurance Group. The Zurich Insurance Group is one of the world’s largest insurance groups, and one of the few to operate on a truly global basis. Founded in 1872, the Group’s headquarters are in Zurich, Switzerland. The Zurich Group employs over 60,000 people helping customers manage risk in more than 170 countries. Zurich Australia is able to draw on its global strength to provide exceptional service and outstanding value, and provide innovative, customer friendly products.

Claims

Every claim received by Zurich is handled promptly and with sensitivity. Zurich’s local claims team members are committed, experienced professionals who’ll ensure your claim is reviewed as quickly as possible.

We understand your situation

Zurich understand that when making a claim, chances are you and your family are going through a difficult time. If at any point during the process you are unsure about how to proceed, Claims team members are ready with help and advice. Just call 1800 025 015.

How to make a claim

  1. First check your Policy schedule and Policy document to confirm the Ezicover policy you have with Zurich
  2. Contact the Claims team on 1800 025 015 for a claim form
  3. Complete and sign the claim form/s
  4. Post, fax or scan/email your signed form/s to:

Mail

Zurich Australia Limited
Claims Department Locked Bag 994
North Sydney, NSW 2059

Claims Email

life.claims@zurich.com.au

.

Customer Service email

amexlife@zurich.com.au
.

Customer Service

1800 025 015 (Mon to Thu 8:30am – 7pm AEST Fri 8:30am – 5:30pm AEST)

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