Income Protection
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Masterpiece® is Chubb’s prestige home and contents insurance offering for people with significant assets to insure who appreciate a premium level of cover and service that is customisable to their needs.
Chubb's cover options for your leisure travel.
Chubb leverages superior underwriting expertise and world renowned claims, accounts services, and financial strength to offer solutions for small and medium businesses.
Backed by our product breadth, financial strength and global network, we offer customised cover for your varied needs so that you can focus on growing your business.
Here to support you and the important work that you do.
Whether you’re a distributor or broker, you can be assured of our corporate capabilities when you partner with Chubb.
Chubb Travel Insurance establishes relationships with partners to provide personal travel insurance cover for their clients.
If you’d like to get protection from the comfort of your own kitchen, Chubb Life makes it easy. Get an instant quote from our simple online tool. You’ll be surprised about how little time it may take.
Chubb Leisure Travel Insurance can help you and your family enjoy your time overseas, knowing that should an incident happen you are Chubb-insured and there is assistance at hand.
Expenses Cover
Why choose Expenses Cover?
Expenses Cover can help pay your living costs by providing a regular monthly payment, so you can focus on your recovery without worrying about how you’re going to pay the bills.
Cover includes:
- A monthly payment for up to two years if you get an illness or injury that impacts your ability to work or take care of yourself.
- Premium Cover which will pay the total premium needed to continue your Life & Living policy while we are paying your claim.
- If you receive any other income for your illness or injury, including ACC payments, we won’t reduce your monthly sum insured.
Features of Expenses Cover
- You can take out Expenses Cover at any age from ages 18 - 60 years (depending on your occupation).
- You can apply for cover up to 45% of your annual income, to a maximum of $5,000 per month.
- As your life change over time, your cover can be tailored to meet your needs.
- If you decide that this insurance isn’t right for you within 30 days of your policy starting, we’ll refund any premiums paid and cancel your policy.
Understanding your cover
If you're unable to work or can’t care for yourself due to an injury or illness, we can provide you with monthly financial support for up to two years:
- If you’re completely unable to work or can only continue working in your usual job for up to 10 hours per week, you may be eligible for 100% of your monthly sum insured.
- If you're working in any job for less than 75% of your previous normal weekly hours, you may be eligible to receive a percentage of your monthly sum insured.
- If you’re confined to home or hospital or need help from another adult to care for yourself, you may be eligible for 100% of your monthly sum insured.
For more information see the policy wording
We won’t pay any claim under Expenses Cover that directly or indirectly results from:
- Intentional self-harm, including attempted suicide.
- Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy.
- Taking part in a criminal activity.
- Failing to follow the advice or treatment of a medical practitioner.
For more information see the policy wording
Key benefits
Policy wording
For everything you need to know about Life & Living Insurance, download a copy of the Life & Living policy document.
To ensure you understand the full terms of cover and potential exclusions, please read these documents together.
For everything you need to know about Expenses Cover, download a copy of the Expenses Cover policy wording.
To ensure you understand the full terms of cover and potential exclusions, please read these documents together.
Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf