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Bill Protect

Helps provide an income if you’re sick or injured and you’re not able to work so you can focus on getting better.

Snapshot of benefits

Receive a monthly payment

  • Choose to receive a monthly benefit between $1,000 and $4,000, if due to sickness or injury you're unable to work.
  • Choice of benefit period; 6, 12 or 24 months.
  • Increase or decrease your cover anytime by calling 1800 607 541.
  • Use your money however suits; this could include covering your rent or mortgage, your utilities, your grocery shopping, your petrol or public transport costs, and any other necessities.
  • If within 30 days of purchasing the policy you're not sure this policy meets your needs you are able to cancel it and receive a full refund of any premiums you have paid, as long as you haven't made a claim during that time.

Enhance your coverage with Optional Redundancy Benefit

  • Add the Redundancy benefit to provide you with some income while you are looking for work if you are involuntarily unemployed.
  • You can choose a monthly redundancy benefit from $1,000 up to $4,000 to cover you if you become involuntarily unemployed with a maximum 3 month benefit period. A 6 month no claim period applies. It is only after this period that you become eligible to claim on this benefit. Find out more about the optional redundancy benefit.

For more information on the details of this cover please read the Combined product disclosure statement and policy document (PDS).

What makes GIO different?

Trusted & established

  • Established in 1927 we've been a trusted Australian insurer for almost 90 years.
  • Our consultants in our Australian based call centres are on hand to help.

Supportive and understanding

  • To help with affordability, the Premium Pause Benefit allows you to stop paying premiums for up to 3 months each year you hold your policy. During this time your policy offers no cover. Find out more about Premium pause benefit.
  • Whilst receiving a monthly benefit under this policy, we will waive your GIO Bill Protect premiums for the time you are on claim.

Cover in under 10 minutes

Easily apply online or over the phone

  • No medical tests or doctors reports are required when you apply.
  • There are no lengthy health questions, you just have to tell us your smoking status, height and weight, that’s it.
  • Fortnightly, monthly or annual premiums available at no extra cost, to suit you.

 

Check you're eligible

If you can answer 'yes' to the following questions you are able to purchase Bill Protect insurance.

 

1. Are you aged 18-60 years?

2. Are you a citizen or permanent resident of Australia or New Zealand who currently resides in Australia?

 

If you're looking to include redundancy...

3. Do you work more than 20 hours per week?

No medical tests or doctors reports are required when you apply.

 

There are no lengthy health questions,you just have to tell us your height and weight, that's it.

 

Fortnightly, monthly or annual premiums available at no extra cost, to suit your budget.

 

Check you're eligible

If you can answer 'yes' to the following questions you are able to purchase Bill Protect insurance.

 

1. Are you aged 18-60 years?

2. Are you a citizen or permanent resident of Australia or New Zealand who currently resides in Australia?

 

If you're looking to include redundancy...

3. Do you work more than 20 hours per week?

No medical tests or doctors reports are required when you apply.

 

There are no lengthy health questions,you just have to tell us your height and weight, that's it.

 

Fortnightly, monthly or annual premiums available at no extra cost, to suit your budget.

Check you're eligible

If you can answer 'yes' to the following questions you are able to purchase Bill Protect insurance:

1. Are you aged 18-60 years?

2. Are you a citizen or permanent resident of Australia or New Zealand who currently resides in Australia?

If you're looking to include redundancy:

3. Have you worked at least 20 hours per week on average over the last 3 months?

Consider how much cover you need

It could be worth taking the time to add up your monthly expenses, so you can select a cover amount that means your lifestyle needn't change too drastically if you couldn't work.

For example:

- Your rent/mortgage
- Groceries
- Petrol
- School fees
- Other insurances e.g car
- Utilities, phone, internet, power, gas

Get covered in 4 simple steps

1. Get a quote
Select the cover amount and price that best suits you

2. Enter your contact details
Name, address, phone and email

3. Purchase
Pay via direct debit or credit card.

4. You're covered
24 hours a day, 7 days a week

Get a quote

Or call us on 1800 607 541
We are here to help

Straight-forward & personal claims process

Claim time doesn’t have to mean stress time. Below is a brief summary of our simple and straight-forward claims process. 

1. Call Us

Call us on 13 10 10 as soon as possible after the event

2. Receive a claims pack

We will email, fax or post you a claims pack to be filled in and sent back with all requested information

3. Assessment

Our claims team will keep you updated on the progress of your claim

4. Payout

We pay claims that meet policy terms and conditions usually within 2 business days of an approved claim

Feel in control with GIO

Established since 1927

Trusted insurer for almost 90 years

Australian based call centres

We are here to help

Join 1.2 million Australians & New Zealanders1

Helping to look after the insurance needs of 1.2 million customers

How to apply or find out more

Online

Get a quote and apply online in under 15 minutes

Get a quote now

Call us

Speak to our agents Mon-Fri 8am-6pm AEST

13 10 10

Read the PDS

For more detailed information i.e. how to make changes to your policy, when cover starts and stops, etc

Download PDS

1. Includes customers of both AAI Limited and Suncorp Life & Superannuation Limited which hold GIO branded products

GIO Bill Protect Insurance is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 (SLSL), under the GIO brand, and AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) who only issues the redundancy benefit. GIO Bill Protect Insurance is distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229885 (SFS). SLSL, AAI and SFS are Suncorp Group (Group) entities. The different entities of the Group are not responsible for, or liable in respect of, products and services provided by other Group entities. Any advice in this information is general advice only and has been prepared without taking into account any person’s objectives, financial situation or needs. You should consider the Combined Product Disclosure Statement and Policy Document (PDS) for GIO Bill Protect before making any decisions about whether to acquire this product. Terms Apply, including eligibility, no-claim and waiting periods.