Ezicover is Zurich’s range of DIY insurance products. They’re designed to help provide financial security for you and your loved ones.

With Ezicover, you can enjoy peace of mind, with:

• Quality life insurance options that are easy to understand, easy to apply for and easy to claim on.
• The backing of a large, highly experienced insurer – Zurich Australia Limited (Zurich). Zurich is a member of the Swiss-based Zurich Insurance Group, one of the world’s largest insurance-based financial services groups. Zurich has been protecting Australians for more than 60 years

Ezicover offers two life insurance products:

Ezicover Life Insurance, which can protect you if you have financial dependants or loved ones, and you are likely to have outstanding financial commitments if you die or are diagnosed with a terminal illness.

Ezicover Income Protection, which is designed to protect you if you have financial commitments that you wouldn’t be able to pay if illness or injury meant you couldn’t work.

It’s easy – get a quote or apply for an Ezicover product online or contact us directly.

You don’t need to undergo a medical examinations or tests when you apply for Ezicover Life Insurance or Ezicover Income Protection.

• We waive your first month’s premium so in the first year of your policy, you only pay for 11 months of cover. You can use this time to review your policy and make sure that Ezicover meets your needs.
• Your needs change throughout your life, and so can your cover. You can increase or decrease your cover amount at any time to suit your needs. Minimum cover is $50,000 and maximum cover is $1,500,00 depending on your age.
• Applying for Ezicover is easy. And if you can’t complete your application in one sitting, we save it for you, and you can pick up where you left off. 
• If you and your partner want to apply, we’ve made the application easy for both of you to apply at the same time. You will also be eligible for a 10% discount on one of the policies.
• We will not ask you for any medical tests before, or after your application. Ezicover is simply underwritten, which means we ask you the right questions throughout the process, so you have certainty around what you are covered and what may be excluded. 

If you’re a young person with a family, you should consider how your loved ones will manage financially if you pass away or become terminally ill. If you have any debt, just purchased your first home, have any children or want to look after your family, it can be important to have life insurance in place so that they are cared for if you were to die.

By not taking out life insurance until later in life, you risk a deterioration in your general health or developing a medical condition that may mean you become ineligible for cover, have an exclusion applied to your policy or have to pay a higher premium rate. You need to balance this against paying premiums for a longer period of time.

Ezicover Life Insurance can help provide financial protection for any dependants you have if you’re a self-employed person and you pass away, or become terminally ill and can no longer work. Your family could also use your life insurance payout to pay any business loans or other costs of your business if you were to pass away.

If you’re self-employed and you don’t have superannuation, or you do not have life insurance cover with your superannuation fund, life insurance may be important for you to consider.

Ezicover Life Insurance could provide a $15,000 payment in advance to your beneficiaries on confirmation of death, which they can use to pay for your funeral and other costs such as your unpaid bills.

Ezicover Life Insurance is designed for people with financial dependants or loved ones, who have or expect to have outstanding financial commitments (such as a mortgage, school fees, medical expenses and living expenses) that will not be satisfied or able to be paid in the event of their death or terminal illness.

If you’re single and you have debts or you have loved ones you would like to look after, having life insurance can help take care of them financially or cover your debts if you pass away. Ezicover Life insurance can also provide you with a lump sum payment if you are diagnosed with a terminal illness.

Ezicover Life Insurance is offered individually. However, if you and your partner apply at the same time and we accept both applications, the second policy is eligible to a 10% discount.

Generally, Ezicover Life Insurance will cover you for COVID-19 if you have met the qualifying and waiting periods in your policy. Click here to learn more about our COVID-19 support.

If you are 19 to 69 years old, are an Australian citizen or hold a permanent residency visa, and reside permanently in Australia, you can take out Ezicover Life insurance.

Usually, life insurance payouts that go to your financial dependants are tax free. You should seek advice from a qualified tax adviser if your benefits are going to someone who’s not dependent on your income.

You can apply online, or over the phone.

Generally, Ezicover Income Protection will cover you for COVID-19 if you have met the qualifying and waiting periods in your policy. Click here to learn more about our COVID-19 support.

Ezicover Income Protection could provide up to 70% of your pre-disability income to help you cover living expenses like your rent, mortgage repayments, groceries, etc. See the pre-disability income information in the PDS for more detail on how this amount is determined.

If you are aged 19 and 60 and meet other criteria, you are eligible to apply.

Income Protection premiums can vary based on a number of factors, such as age, occupation, health and more. Canstar has researched average monthly direct income protection premiums for a number of occupations available here, If you would like to know how much Ezicover Income Protection will cost for you, get a quick quote online using this website.

Yes, you can. We offer:

• 5.7% discount if you choose to pay your premiums annually,
• 5% discount if you also have an Ezicover Life Insurance policy, and
• a waiver of your first month’s premium if your application is accepted.

That’s fine – you can contact us and we can adjust your level of cover to make sure you are not insured for more than you could receive, or less than the income you earn at the time of your disability. You can reduce your monthly sum insured to a minimum of $1,000, and the maximum amount you can increase your monthly sum insured to is $12,000.

Please keep in mind that this policy provides you with an indemnity, which means that the monthly benefit we’ll pay is based on your income at the time of disability.

The monthly benefit we pay will be adjusted to reflect earnings, other benefits, and ongoing income you receive or are entitled to receive.

It is important to check your level of cover against your income regularly.

No, you won’t – we’ll waive your premiums during this time.

We won’t pay a benefit if your disability was directly or indirectly caused by certain events or circumstances. Ezicover Income Protection has exclusions including:

• intentional self-inflicted injuries
• attempted suicide
• unemployment except due to illness or injury
• if you are involved in any way in a criminal offence or illicit drug use
• any disqualification, deregistration or restriction placed on your professional membership and or license stopping or restricting you from performing important income-producing duties
• any period of incarceration because of your involvement in criminal activity
• any event happening during travel outside of Australia if the Australian government has advised against travel to that country or region at the time you started your trip
• an act or war (whether declared or not)
• any other exclusion agreed with you at the time of application and shown on your policy schedule

We will calculate your premium:

• at the date your policy starts
• annually at your policy anniversary
• if we change premium rates
• at any other time your cover changes.
   

For Ezicover Life Insurance, we take into consideration the following factors:

• your age
• your gender
• your benefit amount
• any discounts you may be eligible
• government charges and stamp duty
• your occupation and pastimes
• your health
• your smoker status
   

For Ezicover Income Protection, we take into consideration the following factors:

• your age
• your gender
• your cover type
• your monthly sum insured
• your benefit period
• your waiting period
• any discounts you may be eligible
• government charges and stamp duty
• your occupation and pastimes
• your health
• your smoker status
   

The answers you provide us about your occupation, pastimes, or health could increase your premium. If we increase your premium because of the answer you have provided, this is referred to as a loading. We will display any loadings we have applied to your policy on your policy schedule.

Ezicover premiums are stepped premiums which means generally as you get older your premium will increase. If you want an idea of how your premiums are likely to increase over five years, backdate your date of birth by five years when you proceed to get a quote, or contact us directly and we’ll give you a five-year premium projection.

You can pay your premiums monthly or annually, and by direct debit, credit card or BPAY. Your financial institution may charge you an extra fee for direct debits.

Premium rates aren’t guaranteed and can change from time to time. If we make any changes, they will affect all the policies in the same category, not just yours.

We pay the Death benefit to your estate. If you want us to pay to one or more beneficiaries rather than your estate, contact us to set up a beneficiary nomination.

We will pay the Terminal Illness benefit directly to you.

Income Protection premiums are generally tax deductible, as the cover protects your assessable income.

Life Insurance premiums are generally not tax deductible.

Your premiums will generally increase as you age, and you should consider if you will be able to continue to pay them for the entire timeframe that you need insurance.

When we accept your application and issue you a policy document. You’ll see the start date on your policy document.

Your Ezicover policy provides you with cover 24 hours a day, seven days a week, worldwide. For Ezicover Income Protection, this excludes countries outside Australia if the Australian government has advised against travel to that country at the time you start your trip. Go to smartraveller.gov.au for more information.

You can cancel your policy up to 30 days from receiving your documents and we’ll fully refund any premiums or charges you’ve paid unless you’ve made a claim. To cancel your policy, please contact the Zurich Customer Care team.

Our cover suspension feature lets you put your cover on hold for up to 12 months – as long as you’ve held your policy continuously in-force for at least 12 months. This can help you if your circumstances change by reducing your financial commitments. You can suspend your policy for up to 12 months and stop paying your premiums to reduce financial pressure - you won’t need to pay any premiums for the time that your cover is suspended. Then you can start your policy again without having to reapply.

Remember though, that while your cover is suspended, your policy isn’t in force and we won’t cover you:

For Ezicover Life Insurance,

• if you die
• if you are diagnosed with a terminal illness
• for any death or terminal illness caused by a condition where you were aware of a symptom or diagnosis of that condition while you were suspending your cover.

For Ezicover Income Protection,

• if you are disabled,
• for any disability caused by a condition where you were aware of a symptom or diagnosis of that condition while you were suspending your cover

You can still make a claim for an insured event which occurred before the Cover suspension start date if the conditions for a benefit were met when Cover suspension started.

You’re in control of your policy – you can extend your cover suspension or end it early. You just need tell us 14 days before your cover suspension ends.

If a policy anniversary passes, we’ll still offer to increase your cover to help protect it from the impact of inflation (if applicable).

Once the suspension period is over, your cover will resume without you needing to reapply. See your product’s Product Disclosure Statement to find out more about our cover suspension feature. 

If you miss a premium payment, we may try to debit your nominated bank account or credit card a second time. If this doesn’t work, we will contact you to ask you how you’d like to pay your outstanding premiums.

If you do not pay the missed premium, we may cancel your policy – but we’ll write to you first and give you the chance to pay the premium before then.

If you don’t pay the missed premium and you try to claim for something after your policy is cancelled, we may refuse to pay your claim.

With Ezicover, you can make a claim in four easy steps:

If you have a complaint contact our Customer Care Team. We’ll do our best to resolve your issue fairly, respectfully and efficiently, and will keep you informed of our progress.

	1800 025 015, weekdays 8:30am to 7:00pm AEST (Friday 8:30-5:30pm)
	client.service@zurich.com.au
	zurich.com.au/myzurich
	Zurich Customer Care Locked Bag 994 North Sydney NSW 2059

If we can’t resolve the issue to your satisfaction, we’ll escalate your complaint to our Dispute Resolution Team, who will try to sort it out quickly and amicably.

If you’re still not satisfied, the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme, can review your complaint free of charge. But you’ll need to try to resolve it with us first, before you contact them. 

Here are AFCA’s contact details:

	1800 931 678
	info@afca.org.au
	afca.org.au
	Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

There are time limits for lodging a dispute with AFCA – please contact them to find out what they are.