Monthly Disability Cover

• Intentional self-harm including attempted suicide
• Taking part in a criminal activity
• Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy
• Not following the advice and treatment of, or under the regular care of, a medical practitioner.

Where this cover is taken out for the purpose of business overheads, we would cover your regular day-to-day expenses incurred in the normal operations of the business, which include, but aren’t limited to:

• costs of electricity, gas, water, heating, internet, telephone, laundry and cleaning and security contract costs
• property rates
• motor vehicle registration and warrant of fitness for motor vehicles used in your business
• professional subscriptions
• business insurance premiums including key person, fire and general and professional indemnity insurance premiums, accounting and audit fees
• advertising costs
• rent (including building operating expenses)
• capital repayments towards an identifiable business asset, such as plant, equipment, machinery or vehicles
• interest directly related to business loans
• the gross amount of salaries and related costs for your employees who do not generate income.

Other business insurance income as a result of the same disability will be offset.

Mandatory cover required to access: Premium Cover

Occupation classes: 1-4

Your occupation class is determined by the work you do. Your financial adviser will be able to help you work out what occupation class will apply to you.