CivilCover Cover & Options

CivilCover provides a variety of income protection insurance benefits including Standard Cover and Enhanced Death Cover.

The Premium Rates specified in the following tables are subject to change in accordance with the Policy.

Standard Cover

Benefits
  • Total disability benefit for disability resulting from an accident,
  • Total disability benefit for disability resulting from a sickness,
  • Full death cover and accidental death cover,
  • 85% income replacement ratio,
  • 30 day waiting period,
  • 2 year benefit period,
  • Workers compensation top-up cover.
State Benefit Description Total Premium / Per Person Per Month
NSW Standard Cover $100

Enhanced Death Cover

Benefits
  • Death benefit paid for any cause of death $25,000 or,
  • Death benefit paid for any cause of death $50,000.

Note: Premium payable for enhanced death cover must be paid in conjunction with premium for standard cover as described previously within this PDS.

Enhanced death cover replaces the standard death cover provided under standard cover.

State Benefit Description Total Premium / Per Person Per Month
NSW $25,000 $2.70
NSW $50,000 $4.20

Changing the Benefits

You can change the benefits payable under CivilCover by choosing one of the options in the table below.

State Benefit Change Description Total Premium / Per Person Per Month
NSW decrease the waiting period from 30 days to 14 days $175
NSW decrease the waiting period from 30 days to 21 days $150
NSW increase the benefit period for sickness from 2 years to 3 years $135