You deserve the peace of mind that comes with a tailored income protection insurance policy
When illness or injury stops you from working, the bills don’t stop coming. Whether you’re self-employed, a homeowner, or simply someone who relies on their income to support their lifestyle, losing that income can create stress and uncertainty.
At Oasis Insurance, we understand the financial impact of being unable to work. Life is unpredictable, and sometimes you need support to focus on what truly matters—your health and wellbeing—without the added worry of missed mortgage repayments, rent or daily expenses.
This is where we step in.
Oasis Insurance partners with leading providers to offer income protection insurance tailored to your individual needs. Suppose you’re unable to work due to illness or injury. In that case, income protection can pay you up to 75% of your regular income to help you maintain your lifestyle and meet financial commitments. From mortgage protection to covering everyday costs, income protection is designed to give you peace of mind when you need it most.
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Income protection insurance helps you stay on top of your financial commitments—like rent or mortgage—if you’re unable to work due to illness or injury. It typically covers up to 75% of your income, with flexible options for waiting periods, benefit durations, and policy types (like agreed value or mortgage protection). Optional add-ons, such as redundancy cover, can also be included.
Whether you’re after guidance on cover types or help getting your policy set up right, we’re here to make it simple.
Contact Oasis Insurance today for advice you can count on.
This is where we step in.
Oasis Insurance partners with leading providers to offer income protection insurance tailored to your individual needs. Suppose you’re unable to work due to illness or injury. In that case, income protection can pay you up to 75% of your regular income to help you maintain your lifestyle and meet financial commitments. From mortgage protection to covering everyday costs, our policies are designed to give you peace of mind when you need it most.
The right Oasis cover comes with a lot of income protection insurance benefits
With Oasis Insurance, you can count on:
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Tailored cover:
Tailored cover:
Personalised policies designed to fit your situation, ensuring you receive a monthly benefit to keep life on track during your waiting period.
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Seamless support:
Seamless support:
From navigating claims to helping you return to work, we guide you every step of the way. Whether you’ve used sick leave or need clarity on terms and conditions, we’re here to help.
.03
Trusted insurers:
Trusted insurers:
Access top providers like AIA New Zealand, ensuring reliable monthly payments with clear policy documents outlining all exclusions and full details.
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Straightforward advice:
Straightforward advice:
We simplify the fine print so you can understand your income protection insurance benefits—without the jargon.
Don’t let the unexpected interrupt your income. Whether you’re covered by ACC or need additional protection, we’ll help personalise your plan so you can focus on recovery.
Need income protection cover NZ? Get in touch
Income protection insurance helps you stay on top of your financial commitments—like rent or mortgage—if you’re unable to work due to illness or injury. It typically covers up to 75% of your income, with flexible options for waiting periods, benefit durations, and policy types (like agreed value or mortgage protection). Optional add-ons, such as redundancy cover, can also be included.
Whether you’re after guidance on cover types or help getting your policy set up right, we’re here to make it simple.
Contact Oasis Insurance today for advice you can count on.
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Income cover | Partial disability benefit | Total disability benefit
Frequently Asked Questions
What is income protection insurance, and how does it work?
Income protection is designed to provide regular monthly payments if you’re unable to work due to illness or injury. This type of eligible insurance can cover up to 75% of your pre-disability income, ensuring you have the amount of income needed to manage rent, mortgage and daily expenses.
Income protection insurance may help you maintain financial stability by replacing income due during recovery, allowing you to focus on getting better without worrying about bills. Unlike life cover, which provides a lump sum after passing, income protection insurance provides ongoing support when needed. If you’re unsure whether income protection insurance is right for you, consider the security of having income with income protection insurance to protect your lifestyle and peace of mind.
Why should I consider income protection insurance?
Income protection insurance protects your financial stability by covering lost income when illness or injury prevents you from working. It offers peace of mind by ensuring you can maintain your health and wellbeing during an extended period of time without an income.
How much of my income does income protection insurance cover?
Income protection policies typically cover up to 75% of your monthly income, ensuring you can manage costs like rent or mortgage, health expenses, and loss of earnings.
Can income protection insurance help self-employed individuals?
Yes, income protection insurance is designed to provide regular income cover for self-employed individuals who rely on their ability to earn an income to manage financial commitments.
Does income protection insurance cover redundancy?
Income protection insurance policies generally do not cover redundancy. They are designed to protect your income if you’re unable to work due to illness or injury.
What are the benefits of income protection insurance?
Income protection insurance benefits include total disability benefit, partial disability benefit, and bed confinement benefit, providing support if you are confined to bed or unable to work due to an accident or illness.
Can I claim on my income protection if I work outside New Zealand?
Yes, some income protection insurance policies remain in place even if you work outside New Zealand. Please refer to your specific policy terms or get in touch with an insurance adviser for details.
What happens to my income protection insurance if my income changes?
Income protection insurance may need to be adjusted if your income changes. An insurance adviser can help review your policy to ensure it provides the level of income cover you need.
How do income protection insurance premiums work?
Your income protection insurance premiums are calculated based on factors like your age, occupation, and level of cover. Premiums ensure your insurance remains in place for the life of your policy, up to age 65 or 70, depending on the terms.
How does income protection differ from life insurance policies?
While life insurance pays a lump sum to your loved ones after your passing, income protection insurance pays regular monthly income benefit payments if you’re unable to work due to illness or injury.
How can I compare income protection insurance quotes?
To compare income protection insurance quotes, get in touch with our team. We’ll help you find the insurance you need from providers like AIA New Zealand Limited, tailored to your financial situation and insurance needs.
What is a bed confinement benefit under income protection insurance?
The bed confinement benefit is paid if you are confined to bed due to illness or injury and unable to work, providing financial support when you need income the most.
How do I make a claim on my income protection policy?
To make a claim on your income protection policy, contact your insurance provider or adviser. They’ll guide you through the process to ensure you receive your benefit payments promptly.
What is income protection insurance, and how does it work?
Income protection is designed to provide regular monthly payments if you’re unable to work due to illness or injury. This type of eligible insurance can cover up to 75% of your pre-disability income, ensuring you have the amount of income needed to manage rent, mortgage and daily expenses.
Income protection insurance may help you maintain financial stability by replacing income due during recovery, allowing you to focus on getting better without worrying about bills. Unlike life cover, which provides a lump sum after passing, income protection insurance provides ongoing support when needed. If you’re unsure whether income protection insurance is right for you, consider the security of having income with income protection insurance to protect your lifestyle and peace of mind.
Why should I consider income protection insurance?
Income protection insurance protects your financial stability by covering lost income when illness or injury prevents you from working. It offers peace of mind by ensuring you can maintain your health and wellbeing during an extended period of time without an income.
How much of my income does income protection insurance cover?
Income protection policies typically cover up to 75% of your monthly income, ensuring you can manage costs like rent or mortgage, health expenses, and loss of earnings.
Can income protection insurance help self-employed individuals?
Yes, income protection insurance is designed to provide regular income cover for self-employed individuals who rely on their ability to earn an income to manage financial commitments.
Does income protection insurance cover redundancy?
Income protection insurance policies generally do not cover redundancy. They are designed to protect your income if you’re unable to work due to illness or injury.
What are the benefits of income protection insurance?
Income protection insurance benefits include total disability benefit, partial disability benefit, and bed confinement benefit, providing support if you are confined to bed or unable to work due to an accident or illness.
Can I claim on my income protection if I work outside New Zealand?
Yes, some income protection insurance policies remain in place even if you work outside New Zealand. Please refer to your specific policy terms or get in touch with an insurance adviser for details.
What happens to my income protection insurance if my income changes?
Income protection insurance may need to be adjusted if your income changes. An insurance adviser can help review your policy to ensure it provides the level of income cover you need.
How do income protection insurance premiums work?
Your income protection insurance premiums are calculated based on factors like your age, occupation, and level of cover. Premiums ensure your insurance remains in place for the life of your policy, up to age 65 or 70, depending on the terms.
How does income protection differ from life insurance policies?
While life insurance pays a lump sum to your loved ones after your passing, income protection insurance pays regular monthly income benefit payments if you’re unable to work due to illness or injury.
How can I compare income protection insurance quotes?
To compare income protection insurance quotes, get in touch with our team. We’ll help you find the insurance you need from providers like AIA New Zealand Limited, tailored to your financial situation and insurance needs.
What is a bed confinement benefit under income protection insurance?
The bed confinement benefit is paid if you are confined to bed due to illness or injury and unable to work, providing financial support when you need income the most.
How do I make a claim on my income protection policy?
To make a claim on your income protection policy, contact your insurance provider or adviser. They’ll guide you through the process to ensure you receive your benefit payments promptly.