Financial support during time of medical crisis. Pays a benefit on diagnoses of a listed medical condition below:

Neurological Conditions

• Alzheimer's disease - dementia (diagnosis)
• Stroke (of specified severity)*
• Multiple Sclerosis (with impairment level)

Cancers and Tumours Conditions

• Benign tumour in the brain or spinal cord (with neurological deficit)*
• Cancer (excluding early stage cancers)*
• Carcinoma in situ of the breast (of specified severity)*
• Chronic lymphocytic leukemia (of specified severity)*
• Melanoma (of specified severity)*
• Prostate cancer (of specified severity)*

Heart Conditions

• Cardiac arrest (out of hospital)*
• Cardiomyopathy (with significant permanent impairment)*
• Coronary artery bypass surgery*
• Heart attack (of specified severity)*
• Aortic surgery*

Other Serious Conditions

• Chronic kidney failure (end stage)
• Severe burns (of specified extent)
• Loss of independent existence

Trauma Benefits will not be payable where the condition does not meet the policy definition. *If the condition has an asterisk, (*) a 90-day qualifying period applies. This means that if the condition first occurs, becomes reasonably apparent or is first diagnosed in the 90 days after:

Click here to read more on the Trauma Benefit

Spare your family financial hardship. Pays a benefit if you die or are diagnosed with a terminal illness (min. $100,000 and max. $1,000,000).

Benefit payments can be used for any purpose - paid to joint owner, estate or nominated beneficiaries.

This benefit provides a Funeral Advancement payment - a $10,000 advancement of the Death Benefit. These funds can be used to help with urgent expenses while a claim is being assessed. (payment of the Funeral Advancement does not mean that the claim will be accepted).

Click here to read more on the Death and Terminal Illness Benefit

Financial assistance while you’re on the mend. Pays a benefit (maximum $7,500) if you suffer a fracture of your:

• Skull (excluding bones of the face or nose)
• Jaw
• Collar bone
• Shoulder blade
• Upper arm (between the elbow and shoulder)
• Forearm (including wrist but excluding elbow or hand)
• Pelvis
• Thigh
• Kneecap
• Leg (between the knee and foot)

Click here to read more on the Specified Injury Benefit

To be eligible for this policy, each life insured must:

• have or be seeking to take out an eligible loan, or be the partner of someone who has applied for My Protection Plan
• be an Australian or New Zealand citizen, or hold an Australian Permanent Residency Visa
• be 18 to 59 years old
• have more than $100,000 but no more than $1,000,000 in total Death and Terminal Illness Benefit across all My Protection Plan policies issued by Zurich at the time of the new application (including this policy)
• have lived in Australia on a permanent basis for at least 6 months continuously during the past 12 months. Being away from Australia for work purposes or holidays does not count for determining if they have lived in Australia continuously.

The policy owner must receive a copy of the PDS in Australia.

• Adjust your cover levels to suit your budget
• Align your premium payments with your pay cycle

• Death and Terminal Illness Benefit: Pays a benefit to you, your estate, or nominated beneficiary (minimum of $100,000 and maximum, $1,000,000).
• Trauma Benefit: Covers 17 serious medical conditions.
• Specified Injury Benefit: Equal to 3% of the Death and Terminal Illness Benefit (maximum $7,500).

Terms and conditions apply, including qualifying periods for some conditions, and exclusions for pre-existing medical conditions. Please read the Product Disclosure Statement and Policy Document for full details.

To give you time to check your details and make sure My Protection Plan meets your needs, your first 30 days are complimentary. That means in the first year of your policy you will only pay 11 months premium.