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Support • 2 min read

How to claim on Income Protection Insurance

Do you need to claim on your Income Protection Insurance? We've got all the information you will need here.

When you’re too ill or injured and can't work, the last thing you need is the stress of unpaid bills.

Our Income Protection Insurance is your safety net. It pays you a regular income when you’re unable to earn a living due to illness or injury.   

Expenses like groceries, petrol, mortgage payments and school fees can be covered without you having to drastically downgrade your lifestyle or, worse still, sell off your assets.

What’s more, it’s easy to claim against your Income Protection Insurance.

How do I claim my Income Protection Insurance?

Please contact us as soon as you can. You won’t have to pay your premiums when your claim has has been accepted and you are receiving a benefit.

Call us on 13 77 87 and we’ll send you a claim form or get a claim form online. Fill it out and send it back to us with the following supporting materials:

  • A concise description of what’s happened to you
  • A scan or photograph of your passport or another form of photo identification. You’ll need to print out if sending your claim via Australia Post
  • Your most recent payslips or last year’s tax return and assessment notice
  • For sickness and injury claims: Medical certificates or notes, relating to the claim. Tell your doctor(s) that you’ll be claiming on your income insurance so they know to provide all the relevant information 
  • For Involuntary Unemployment or redundancy claims: Separation Certificate and a letter from the company paymaster, personnel manager or Chief Executive explaining the circumstances of your involuntary unemployment

Send the claim form and support materials to us via email, fax or conventional mail:

Fax: +61 (03) 9284 9000


Mail: Insuranceline Claims

          Reply Paid GPO Box 5380, Sydney NSW 2001

How long does it take?

We will start assessing your claim as soon as we receive it. Once we have all of the information we need, we will make a decision claim on your claim within 20 business days.

If your claim is accepted, the first payment is made into your bank account one month in arrears. Further payments are made once a month.

We’ll continue to pay for as long as you’re off work, for up to 5 years for sickness and injury claims. All we ask is for medical progress reports so we know how you’re going with your recovery.

Sound good? Apply for Income Protection right away, or get an Income Protection Insurance quote. 

If you need to make a claim click here.


Backed by TAL

^Insuranceline Win 1 of 5 $1000 Visa Cards (Competition). Subject to the Terms and Conditions, the Promotor is offering customers a chance to win one of five Digital Visa Gift Cards valued at $1,000, in one of the four draws. Entry commences on the 1st of April 2024 and will run for four months until 11:59pm AEST on the 31st of July 2024 (Entry Period). During the Entry Period, to be eligible to participate in the Competition, customers must get a quote and take out a new Insuranceline Life Insurance, Income Protection Insurance, or Funeral Insurance policy to enter the Competition. A maximum of one (1) entry into the Competition will be awarded per eligible policy. The Promotion is not open to existing customers, or customers who have cancelled a Promoter branded policy in the 12 months prior to the commencement of the Entry Period and then taken out a new Insuranceline branded policy. Each of the four Prize Draws will take place at Level 16, 1 Denison Street, North Sydney NSW 2060 on the respective Prize Draw and Time, as listed in the table in Condition 13 (and if any Redraws if there are any unclaimed prizes, Condition 19) of the full Terms and Conditions, and the winners will be sent an email and will be attempted to be notified via phone within two (2) business days of the Draw and published on Max. retail value of the total prize pool is $20,000. To be eligible at time of the draw, customers must still have an active policy and have paid 1 month of premiums in full. View eligibility criteria and full terms and conditions here. Promoter: TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Permits: NSW NTP/09255, ACT TP24/00483, & SA Licence No. T24/388.

**Bonus 10% more cover is calculated on the fifth anniversary from the Policy Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and conditions apply. Refer to the PDS for more information.

#Claims paid figures relate to all Insuranceline life insurance policies in the 2021 financial reporting year (1 April2021 to 31 March 2022). All claims on Insuranceline policies are assessed against the relevant policy terms and conditions. These terms and conditions, as well an explanation of the claims process, can be found in the applicable Product Disclosure Statement. Claims are administered and settled by the insurer, TAL Life Limited.

***Insuranceline is the longest standing provider of Funeral Insurance in Australia, based on: Strategic Insight, Actuaries & Researchers. Funeral Insurance means a policy with periodic premium payments that provides a lump sum to help pay for funeral and associated expenses when you die and excludes pre-paid Funeral Plans and Funeral Bonds.

The information provided on this website is general advice only which means it does not take into account your individual needs, objectives or financial situation. For this reason, you should consider whether it is appropriate for you, and before you decide to buy or to continue to hold an insurance product, you must read the relevant Combined Product Disclosure Statement (PDS) and the Financial Services Guide (FSG). The PDS/FSG contains important information which will help you understand the product, including what's covered and what's not covered and to decide whether it is appropriate for you. The Target Market Determination (TMD) for the relevant product, where applicable, is also available.

If you are considering cancelling a policy you already hold in order to replace it with a new policy, make sure you read the terms and conditions of both policies before you make a decision. The cover terms may be different, you may lose benefits accrued under your existing policy, and waiting periods may apply to the new policy. Changes in your personal circumstances (such as your age, health, and employment) that have occurred since your existing policy was originally taken out may also affect your new policy. As your application for a new policy may not be accepted, and some policies may be unable to be reinstated after they have been cancelled, you should consider waiting until your new policy is confirmed before you cancel any existing cover.

Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover.

The ways in which Insuranceline collects, uses, discloses and secures your personal information are set out in the Insuranceline Privacy Policy, which is available free of charge on request.