Existing customers – for more information regarding recent changes to your Income Protection or TPD insurance please click here

Existing customers – for more information regarding recent changes to your Income Protection or TPD insurance please click here

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 Life Insurance cover we provide, a simple belief in 'doing the right thing' sets us apart.

Low insurance 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 policies

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

Award winning life cover

We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance for eight consecutive years from 2016 to 2023.

Help protect your family with
Australia's most awarded direct life insurer
five years running (2019 - 2023)

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