1300 377 325

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Income Protection Insurance

Apply over the phone with no medical or blood tests.

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Income Protection Cover

We’ll pay up to 75% of your monthly income (up to a maximum of $10,000 a month) if you can’t work because you are sick or injured.

From 78 cents a day1

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Bill Cover

Take care of the essentials even when you’re sick or injured, with a monthly payout that helps you stay on top of your bills.

From 56 cents a day2

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About Income Protection Insurance

Income Protection Insurance is all about taking care of your most valuable asset – you, and your ability to earn an income.

With Real Income Protection Insurance, if you’re unable to work because you’re sick or injured, we’ll pay you a monthly benefit so you can focus on getting better, without worrying about your finances.

Compare Income Insurance
  • Apply over the phone in a single call with no medicals or blood tests and no proof of income3
  • Premiums are usually tax deductible
  • Keep your premiums low by choosing your level of cover and Waiting Period
  • Choose from a range of optional covers for greater protection
  • Pay fortnightly, monthly or yearly – at no extra cost
  • We’ll refund 10% of premiums you’ve paid in the first 12 months with The Real Reward
  • Stress-free claims with your own personal specialist located in Australia
  • Your Policy is backed by the third-largest reinsurer in the world

The thing that made me go with Real Insurance compared to anyone else, is I found Real Insurance took the time, I didn’t feel rushed, and the consultant was lovely and offered to call me back, which she did. It was lovely service and the amazing benefits were clearly outlined.

— Kerry

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1300 377 325


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Understanding Income Protection Insurance

Find out how Income Protection Insurance can help you with a financial safety net if you’re unable to work.

Income Protection FAQs

Find fast answers to commonly asked Income Protection Insurance questions.

Bill Cover FAQs

Find fast answers to commonly asked Bill Cover questions.

Latest Income Insurance news

Bride and groom

The irrational cost of love

Recent research conducted for Real Insurance reveals that young Australian couples are short terms thinkers when it comes to their finances surrounding their wedding day.

  1. Based on a 38 year old male, non-smoker working in a white collar occupation with a $5,000 monthly benefit, 6 month Benefit Period, and a 90 day Waiting Period.
  2. Based on a 36 year old female, non-smoker working in a white collar occupation with a $1,000 monthly benefit, 6 month Benefit Period, and a 90 day Waiting Period.
  3. If you do make a claim, you’ll need to show proof of your income for 12 months preceding your sickness or injury.