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Income Protection Insurance

Apply over the phone with no medical or blood test

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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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Call us on

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 Q&A – we can help

Find fast answers to commonly asked Income Protection Insurance questions.

Bill Cover Q&A – we can help

Find fast answers to commonly asked Bill Cover questions.


  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.