Bill Cover

If you became sick or injured and were unable to work, your income could stop. But unfortunately, the bills would keep on coming.

With Real Bill Cover, you receive a monthly payment so your everyday living expenses – such as the mortgage or rent, electricity and water bills, and even childcare fees – can be covered.

Cover starts from as little as 56 cents a day1

Request a Quick Quote Now

What’s covered

  • Guaranteed acceptance for Australian residents aged 18 to 59
  • Receive a payment of between $1,000 and $3,500 a month when you’re temporarily disabled (Pre-Existing Conditions are excluded)
  • A hospital cash benefit at no extra cost
  • Choose your own Benefit Period and Waiting Period
  • Add optional Children’s Insurance for greater protection
  • We’ll help you tailor your Policy for the level of protection you want, so you can match your benefit to your budget
  • You won’t be charged your regular premium while you are receiving a benefit from your Policy. We’ll also refund any premiums you’ve paid during the Waiting Period
  • As long as you pay your premiums on time, we guarantee to renew your cover until you’re 75

This is a summary of the Real Bill Cover Policy. For full details, download our Product Disclosure Statement.

Take out Real Bill Cover today

Request a Quick Quote Now

Why choose Real Insurance

  • If you are earning an income premiums are usually tax deductible
  • 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

Need help deciding?

Understanding Bill Insurance

If you ever pay a bill, it’s worth considering Bill Cover – even if you’re not the family breadwinner. Find out why.

Bill Cover Q&A

Find fast answers to commonly asked Bill Cover questions.

See how easy it is to take out Real Bill Cover. Call us on 1300 665 187 or Request a Quote.

Read what our customers are saying

Customer review

Michael TRIPON - Rated 5 out of 5

Good customer service

Customer review

Trusted Customer - Rated 5 out of 5

They were very helpful

Customer review

Samuel Mcallister - Rated 5 out of 5

Customer service

Customer review

Stephen Ryan - Rated 4 out of 5

Quick and streamlined all done within 15 minutes

Great service, product & price

Craig Wright - Rated 5 out of 5

Youseff was very helpful. he is a great asset to your company. i will recommend real insurance

Easy sign up. no pressure.

Trusted Customer - Rated 4 out of 5

Took me through all the options. explained how it all worked. no pressure sales tactics

Customer review

Vicki Cobb - Rated 5 out of 5

Awesome customer service. the person that i spoke to was very thorough and patient. couldn't have asked for better.

Outstanding customer service

Melinda Ross - Rated 4 out of 5

The consultant was courteous, very patient, friendly, well spoken and very thorough - he made sure i understood the terms of my policy before selling it to me. i wish all customer service was this good!

Customer review

Trusted Customer - Rated 4 out of 5

The staff are friendly and knowledge wise. however it would be appreciated if staff could talk slower on the phone as a lot of the disclaimer info goes over people's heads as it is read too fast and can get...

Customer review

Jacqueline Wills - Rated 5 out of 5

Great customer service, very friendly and helpful.

Customer review

Peter Freedman - Rated 5 out of 5

They talked through the policy thourally and took the time to explain the finer details and answered all my questions very cordial and a pleasure to deal with also tentative toy needs thank you

Customer review

Trusted Customer - Rated 5 out of 5

Salesman spoke very well

Customer review

Ulaiasi Baleiyasawa - Rated 5 out of 5

Well spoken, excellent service.

Customer review

Trusted Customer - Rated 5 out of 5

Fast and efficient service provided.


Justin Hill - Rated 4 out of 5

The operator was very helpful

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Customers rate us

Rated 4.6/5 from 325 Reviews

  1. 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.