NobleOak remain committed to our clients during this uncertain time and we’re proud take part in the FSC COVID-19 initiative to support frontline healthcare workers

NobleOak remain committed to our clients during this uncertain time and we’re proud take part in the FSC COVID-19 initiative to support frontline healthcare workers

How is disability defined under Income Protection?

How is disability defined under Income Protection?

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There are two main categories of disability within Income Protection Insurance: Total and Partial Disability.

If you become Totally Disabled due to sickness or injury, that means:

  • that you are unable to perform one or more duties of your occupation important or essential to producing income, and
  • that you are not working, whether paid or unpaid, and
  • that you are following the advice of a medical practitioner.

If you become Partially Disabled, due to sickness or injury, that means:

  • you are only capable of performing some duties of your occupation
  • your monthly income is less than your pre-disablement income, and
  • you are following the advice of a medical practitioner.

4 Reasons to choose NobleOak

While we are very proud of the cover we provide, a simple belief in 'doing the right thing' sets us apart.

Low premiums

At NobleOak, you buy directly from us,
so you don't pay for
unnecessary overheads.

Fully underwritten insurance

We only offer fully underwritten cover.
This minimises the risk of unforeseen delays
or surprises in the event of a claim.

Simple & straightforward

We aim to avoid overly complex terms.
We simply provide a range of great value,
comprehensive cover options.

Award winning cover

We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance for seven consecutive years from 2016 to 2022.

Help protect your family with
NobleOak, Australia's most awarded
Direct Life Insurer 2021

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