CommInsure Income Protection

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CommInsure life insurance products are all offered under their Protection Plan.

Overview

Income Protection pays an income stream if you are unable to work due to sickness or injury. CommInsure offer 4 types of income protection.

Built-in benefits

The following benefits are built into the CommInsure Income Protection Plan: Features of illness

Benefits Income Care Income Care Plus Business Overheads Essential Cover
Total Disability Benefit Yes Yes No Yes
Partial Disability Benefit Yes Yes No Yes
Recurrent Disability Benefit Yes Yes No Yes
Medical Professionals Benefit Yes Yes No Yes
Reward Cover Benefit Yes Yes Yes Yes
Rehabilitation Benefit Yes Yes No Yes
Unemployment Cover Benefit Yes Yes No Yes
Rehabilitation Expenses Benefit No Yes No No
Accommodation Benefit No Yes No No
Family Support Benefit No Yes No No
Home Care Benefit No Yes No No
Bed Confinement Benefit No Yes No No
Transportation Benefit No Yes No No
Overseas Assist Benefit No Yes No No
Specific Injuries Benefit No Yes No No
Crisis Benefit No Yes No No
Death Benefit No Yes No No
Business Overheads Cover Benefit No No Yes No
Waiver of premium while on claim Yes Yes Yes Yes
Cover while unemployed or on leave Yes Yes No Yes
Waiver of premium if unemployed Yes Yes No Yes
Waiver of premium if on maternity leave Yes Yes No Yes
Waiver of waiting period for specific conditions Yes Yes No Yes
Indexation Yes Yes Yes Yes
Guaranteed insurability Yes Yes No Yes
Flexibility to reduce waiting period Yes Yes No Yes
Extended Cover Yes Yes No Yes
Interim Accident Cover Yes Yes Yes Yes

Benefits at an additional cost

The following benefits can be added to the CommInsure Income Protection Plan at an additional cost:

Benefits Income Care Income Care Plus Business Overheads Essential Cover
Increasing Claim Option Yes Yes No Yes
Accident Option Yes Yes No Yes
Super Continuance Option Yes Yes No Yes
Cash Back Option Yes Yes Yes No

Contact CommInsure Insurance

Call: 13 10 56
CommInsure Website: www.comminsure.com.au