For working New Zealanders
If illness stopped you working, how long would your money last?
ACC doesn't cover illness. Income protection does. Answer a few quick questions and see what protecting your income could look like.
Free · No obligation · Takes about 2 minutes
Important: The ACC Illness Gap
ACC only covers accidents, not illness. So if you get cancer, have a heart attack or stroke, get diabetes, struggle with mental health, or face any other illness, ACC won’t pay you anything.
About 1 in 4 working-age New Zealanders will get seriously ill before they retire. Most of these people have no backup income once their sick days run out.
Monthly Payments While You Recover
Income protection doesn’t give you one big payment. Instead, it pays you money every month — usually about 75% of your normal pay — just like a regular paycheck. This helps you keep paying rent, your mortgage, groceries, and bills while you focus on getting better.
You choose how long these payments can last: 2 years, 5 years, or all the way until you’re 65 or 70. Longer coverage costs more but protects you if you can never go back to work.
Why This Matters for You
Your income is valuable
If you earn $75,000 a year for 30 years, that's over $2 million total. Most people insure their car and house but forget to protect the paycheck that pays for both.
Sick days run out quickly
Most workers only get 10 sick days a year. A serious illness can keep you out of work for months, leaving a big gap.
It covers what ACC won't
Cancer, heart attacks, strokes, and mental health issues aren't covered by ACC — but income protection covers these.
You might get a tax break
If you're self-employed, your payments toward this insurance might be tax-deductible. Ask an adviser to check your situation.