If you get seriously ill or can't work, the bills still need to get paid. Chubb Life Expenses Cover offers financial support for when you need it most.
Why choose Expenses Cover?
Expenses Cover provides a monthly amount for up to two years if you are unable to work or care for yourself due to illness or injury. You can apply for cover up to 45% of your annual income, to a maximum of $5,000 per month.
Features of Expenses Cover
- You can take out Expenses Cover at any age from 18 - 60 years (depending on your occupation).
- You can apply for cover up to 45% of your annual income, to a maximum of $5,000 per month.
- If you decide that this insurance isn’t right for you within 30 days of your policy starting, Chubb Life will refund any premiums paid and cancel your policy.
Key benefits
Disability Benefit
You can get a monthly payment if you have a total or partial disability.
Recurrent Disability Benefit
If a disability returns within 12 months of a previous claim ending, Chubb Life will waive the waiting period so you can access support sooner.
Premium Cover
You won’t have to pay your premiums while Chubb Life is paying a Disability Benefit claim.
Unsure how much cover you might need?
Chubb Life has a quick, simple calculator to help you work out what cover level might be right for you.
Choose the type of cover you’d like, answer a few simple questions, and you’ll get an estimate of what your insurance cover level could look like. From there you can get an instant quote using the cover levels you have chosen.
Your questions answered
Life insurance your way
Chubb Life offers a range of cover and options to help support you through serious sickness or injury, or in the event that you were to pass away. You can apply online, or if you're not sure what you need, you can talk to the Chubb Life Insurance team. Either way it's simple to get the cover that's right for your needs.
Policy information
For everything you need to know about Life & Living Insurance and Expenses Cover, download a copy of the policy document and wording.
To ensure you understand the full cover and potential exclusions, please read these documents together.
Important information
Chubb Life Insurance New Zealand Limited (Chubb Life) underwrites Life & Living Insurance. The contracts of insurance are between you and Chubb Life. TSB receives a commission from the sale of insurance policies sold by Chubb Life when referred by TSB. TSB does not guarantee these insurance products marketed on behalf of Chubb Life and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured persons and Chubb Life or any involved third party. A full copy of the Terms and Conditions are included in the Policy Wordings, available on request from Chubb Life. View Chubb Life’s Credit Rating.
TSB does not give financial advice for insurance and is not engaged by Chubb Life to provide any financial advice in respect of its insurance products.
Talk to Chubb Life
Questions about a new or existing policy? Chubb Life can help, whether by phone or email. You can also email them directly to make a claim.
