Maintain your lifestyle with RACQ Income Protection Insurance

Life never stands still, even when you’re forced to take a break. From mortgage payments to school fees, to those little expenses that pop up out of the blue, your income covers a lot of ground. With RACQ Income Protection Insurance, if an illness or accident stops you working, your lifestyle doesn’t have to stop too.

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Cover up to 70% of your income^

What does my RACQ Income Protection Insurance cover?

Benefits are payable for up to two years. To learn more about what RACQ Income Protection Insurance covers, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

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    Income protection covers up to 70% of your income to a maximum of $10,000 per month.
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    Total disability covers up to 70% of your pre-disability income to a maximum of $10,000 per month.
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    Death benefit whilst on claim covers three times the sum insured or 70% of your pre-disability income (whichever is lower) and is payable in addition to other benefits.

RACQ Income Protection Insurance benefits and features

Benefits are payable for up to two years. To learn more about what RACQ Income Protection Insurance covers, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

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    Premium waiver benefit
    You won’t need to pay any premiums while you are on claim and we are paying you your benefit.
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    Premium pause benefit
    You can pause your premiums for up to 12 months while on parental leave or if you become involuntarily unemployed, and your cover will remain in place (some cover reductions apply).
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    Multiple benefit period options
    You can choose a benefit period of six months, one year, or two years.
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    Flexible waiting period options
    You can select a 30-day or 90-day waiting period.
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    Global coverage
    With RACQ Income Protection Insurance you are covered worldwide 24/7 when you travel.
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    No medicals or blood tests
    You can apply online or by phone today with no medicals or blood tests required.
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    Free AIA Vitality
    Your policy grants you access to a personalised, science-backed health and wellbeing program that can give you discounts on your premiums.*
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    Learn more

    To find out more about the benefits and features of RACQ Income Protection Insurance, please read the Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

Why choose RACQ?

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    Unlock premium discounts
    Ask how we can help you save on your income protection insurance.
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    30-day cooling off period
    We understand that situations change.
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    Flexible payment options
    Take care of your premiums fortnightly, monthly, or annually.
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    Know we’ll look after you
    We’ve been helping Queenslanders for over 117 years.

Save with RACQ Income Protection Insurance

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    Access RACQ member discounts
    Save on petrol, movie tickets, shopping, and more.~~
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    Partner discount
    Enjoy 5% off your premiums when you take out a joint policy with your partner.
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    AIA Vitality status discount
    Get 5% off your RACQ Income Protection premiums when you achieve AIA Vitality Status of Silver or higher.*

Your RACQ Income Protection Insurance includes access to AIA Vitality

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    Know your health

    When you join AIA Vitality, you get access to online health assessments and annual in-pharmacy check-ups that give you personalised, science-backed feedback on your health and wellbeing.

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    Improve your health

    We’ll help you kickstart your health with discounted fitness devices and gym memberships, nutrition consultations, and quit smoking programs.

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    Get rewarded

    When you make healthier choices, you’ll be rewarded with discounted movie vouchers, e-Gift cards, and cash back on eligible flights.

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    AIA Vitality

    For more information about all the ways AIA Vitality can help you become healthier and happier, check out AIA Vitality.

Income protection insurance FAQs


Contact Us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

^Cover up to 70% of your Income to a maximum of $10,000 per month.

RACQ’s 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), any applicable Supplementary PDS and Target Market Determinations 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 FSC Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at fsc.org.au.

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 aiavitality.com.au/vmp-au. Partner terms and conditions may also apply.

*Reach AIA Vitality Silver status or above and you’ll get 10% off your RACQ Life Insurance and 5% off your RACQ Income Protection Insurance premium at your next Policy Anniversary Date. Maintain AIA Vitality Silver status or above to keep the discount each year.

The 10% online discount applies to annual insurance premiums for new RACQ Life Insurance and RACQ Income Protection Insurance policies purchased online for the life of the policy.

Life and Health Discount (LHD)
  • To qualify for the 5% Life and Health Discount (the LHD), you must hold both an eligible health insurance policy and an eligible RACQ Life Insurance policy. Both the eligible health insurance and Life Insurance policies must insure the same person (same name and date of birth must appear on both policies) and have a common mailing address listed.
  • Eligible health insurance policy:
    • AIA Health Insurance
  • Eligible RACQ Life insurance policies are:
    • RACQ Life Protect
    • RACQ Income Protect
  • For Joint Policies, at least one of the insured lives must hold an eligible health insurance policy in addition to an eligible RACQ Life Insurance policy and the LHD will apply to both life insured's premiums under the RACQ Life Insurance Policy.
  • Where you have an existing eligible RACQ Life Insurance policy the LHD will be applied at your next payment instalment for fortnightly or monthly premium frequencies. If you have an annual premium frequency the LHD will be applied with immediate effect.
  • The LHD will continue to be applied to your RACQ Life Insurance premiums, provided you still qualify by holding an eligible health insurance policy and an eligible RACQ life insurance policy.
  • If you no longer hold an eligible health insurance policy, the LHD will be removed at your next Policy Anniversary Date.
  • If the eligible health insurance policy is not in place within or at 30 days of policy inception, the LHD will be removed effective from:
    • next payment instalment for fortnightly and monthly premium frequencies; or
    • policy inception for annual premium frequency.
  • The LHD is generally applied to the total premium. If you are eligible for other discounts (in addition to the LHD), then generally we apply each additional discount to the already discounted premium.
  • AIA Australia Limited reserves the right to vary or discontinue the LHD at any time and without notice.

© 2020, AIA Health Insurance Pty Ltd. ABN 32 611 323 034. PO Box 7302, Melbourne VIC 3004. All rights reserved. AIA Health Insurance with AIA Vitality is issued by AIA Health Insurance Pty Ltd, a registered private health insurer governed by the Private Health Insurance Act 2007, Private Health Insurance Rules 2007 and our Fund Rules. AIA Vitality is issued by AIA Australia Limited ABN 79 004 837 861.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.