Keep living the life you want with income protection

RACQ's Income Protection Insurance can help keep your household running if an Illness or Accident stops you from working. By replacing up to 75% of your regular Income^, this cover can help you:

  • keep up with your rent or mortgage repayments
  • stay on top of your household bills
  • pay school fees and other education expenses.
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Your cover at a glance:

Income protection ^Cover up to 75% of your Income to a maximum of $10,000 per month
Total Disability
Cover up to 75% of your Pre-Disability Income
Specific Injury cover
(Accident only)
Cover up to 75% of Pre-Disablement Income , whichever is lower (max. $10,000/month)for a Specific Injury Period
  • No waiting period applies to a Specific Injury listed
  • Cover up to the benefit period selected
  • You don't have to stop working to receive the benefit
  • Death benefit whilst on claim
    Receive 3 times the lesser of the Sum Insured and 75% of your Pre-Disability Income
  • Payable in addition to any other benefits
  • Premium wavier benefit
    You won’t need to pay any premiums while your are on claim and we are paying you your benefit
    Premium pause benefit
    Pause your premiums for up to 12 months while on Parental Leave or become Involuntarily Unemployed – and your cover remains in place (some cover reductions apply)
    Benefit period options
    6 months, 1 or 2 years
    Waiting periods
    Your choice of 30 or 90 days
    Global coverage
    You are covered worldwide 24/7 when you travel
    RACQ member rates
    RACQ has negotiated rates for our members plus an extra 5% off for joint policies and a 10% discount when you buy online
    No medicals or blood tests
    Apply online or by phone with no medicals or blood tests
    AIA Vitality
    Access to a personalised, scientifically-backed health and wellbeing program plus get 5% off your Income Protection Insurance premium based on your AIA Vitality Status at your next Policy Anniversary*

    The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

    These discounts may be available to you:

    Joint policy discount
    A 5% discount for joint policies for you and your partner

    The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

    Get a quote Read the PDS FAQ's

    AIA Vitality - Benefits and discounts

    Plane flying above clouds

    Up to 50% off flights

    Man lifting weights in gym

    Up to 50% off gym memberships

    Woman smiling holding shopping bags

    Up to $650 in shopping vouchers

    Learn more about AIA Vitality benefits and discounts > 

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    *Achieve or maintain your AIA Vitality Status - Silver, Gold or Platinum and you’ll get 5% off your Income Protection premium at your next Policy Anniversary Date.


    The Life and Income Protection Insurance suite of products described on this website is distributed by RACQ Operations Pty Ltd ABN 80 009 663 414, Authorised Representative Number 234978 (RACQO), an authorised representative of AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109 (AIAFS) and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIAA). RACQO is a distributor only; it does not sell, issue or guarantee these products. AIAFS and other authorised representatives of AIAFS are also involved in distributing these products. Descriptions of product benefits and features are a summary only. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) available on this website before deciding to acquire or continuing to hold any of these products. The information on this website is general and does not take such factors into account so you should consider its appropriateness in the context of such factors. Cover is subject to terms, conditions, limitations and exclusions. AIA Australia has adopted the Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The Code can be found at

    AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see Partner terms and conditions may also apply.