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Resolution Life is delighted to have joined forces with Australia’s largest life insurers – TAL, AIA Australia, Zurich, ClearView, Metlife and MLC Life Insurance – to add a united voice to the COVID-19 vaccination conversation.

Together the life insurers have created "We Have You Covered", a joint national initiative designed to reassure Australians that even once vaccinated, their life insurance products will continue to protect and cover them as they have always done.

The initiative is designed to provide clarity and confidence to customers and the community around ATAGI-approved COVID-19 vaccines and life insurance.

You can access further information on the initiative through the tile on the homepage of our website or by visiting www.wehaveyoucovered.com.au

The information below is for insurance purchased through an adviser or directly.

List of the insurance products these FAQs apply to:

  • Elevate, ex AXA and ex AC&L retail life policies
  • Firstcare - Lifetime Protection
  • Resolution Life MyLife
  • Risk Protection Package
  • Term Life Insurance (TLI)
  • Yearly Renewable Term Plan (YRT)
  • CrisisCare Insurance (CCI)
  • Loan Cover (LC)

COVID-19 FAQs

Am I covered by my insurance policy if I get COVID-19 (coronavirus)?

Yes, all our customers are eligible for coverage 24 hours a day, anywhere in the world - regardless of travel warnings - so long as they meet the terms and conditions of their policy.

Am I covered from any side effects, (including Death or illness) from being injected with the Government’s endorsed vaccinations?

Yes, all our customers are eligible for coverage 24 hours a day, anywhere in the world - regardless of travel warnings - so long as they meet the terms and conditions of their policy.

Are there any additional terms and conditions that would need to be met for COVID-19 claims?

There are no specific requirements for claims directly relating to COVID-19 provided you meet the terms and conditions of your policy.

What if I get COVID-19 and need to take time off work – am I covered by my Income Protection policy?

Income protection policies are intended to cover you if you can’t work due to illness or injury. The cover of a policy is based on the impact an illness/injury has on an insured person, not the illness itself. If you're eligible to lodge a claim, it will be assessed alongside the terms and conditions of the policy and will include an assessment on whether the impact of the coronavirus on your health has caused you to be impaired and/or unable to work.

I don’t have COVID-19, but I have lost work due to the impact of it - am I covered by my income protection policy?

Income protection covers you if you can’t work due to illness or injury, and you meet the usual terms of your policy. For more information on your policy and whether you are still covered or not, please contact your financial adviser or contact us.

What if I recently travelled interstate or overseas? Am I still covered by my policy?

Yes, all our customers are eligible for coverage 24 hours a day, anywhere in the world - regardless of travel warnings - so long as they meet the terms and conditions of their policy.

I need to travel soon - what if I get COVID-19 while interstate or overseas? Am I still covered by my income protection policy?

Yes, all our customers are eligible for coverage 24 hours a day, anywhere in the world - regardless of travel warnings - so long as they meet the terms and conditions of their policy.

What if I get stuck interstate or overseas and can’t return to work straight away - am I covered by my Income Protection policy?

Income protection covers you if you can’t work due to illness or injury, provided you meet the terms of your policy. It's unlikely you would be eligible or entitled to make a claim if your inability to work is caused by any other reason.

My employer said they might need to temporarily shut down the business due to COVID-19. Would my income protection policy cover me for this?

Income protection covers you if you can’t work due to illness or injury, and you meet the usual terms of your policy. For more information on your policy and whether you are still covered or not, please contact your financial adviser or contact us.

I’ve lost my job or had my income reduced due to the impacts of COVID-19 and I can’t afford to pay my insurance premium. What are my options?

If you're a Resolution Life insurance customer experiencing financial difficulty, there are options available to help you through this period, such as:

  • Accessing features available within your policy that may reduce or waive your premium
  • Altering your options or cover levels to reduce your premiums
  • Please contact us to talk about how we can help you.

You can also visit our general hardship page here.

I’ve been let go or had my hours reduced (permanently or temporarily) due to the impact of COVID-19 – am I covered by my total and permanent disability (TPD) insurance if I’m injured or ill?

Yes, we’ve introduced some short-term measures to help you get extra insurance support if you’re affected by a reduction in your work hours or income, as a result of COVID-19.

If you’ve been made redundant, had your hours reduced, or stood down temporarily as a result of COVID-19, and you’ve suffered an injury or illness that you’re eligible to claim for, then your TPD claim will be assessed using the hours you worked as at 29 February 2020. Unless your hours worked and income earned were higher on the date of disability - in which case, that date will be used instead. This applies to claims where the date of disability is between 29 February 2020 and 31 March 2021.

My work hours have been reduced due to COVID-19– can I still claim on my IP insurance cover?

Yes, we’ve introduced some short-term measures to help you get extra insurance support if you’re affected by a reduction in your work hours or income, as a result of COVID-19 but you remain employed.

Subject to your policy terms, you’ll still be able to make a claim if you’ve been injured or become ill. And, any claims made, where your disability/injury/illness occurred between 29 February 2020 and 31 March 2021 will be assessed in a way that makes sure your benefits aren’t reduced because of a reduction in your work hours. See below:

Income Protection (IP) cover: If your IP policy terms are indemnity based or have an income definition based on the best 12 month period in the last 3 years, your policy terms should not be impacted by a recent reduction in hours or income.

For policy terms with defined income or hours, if you were covered on 29 February 2020 and remain employed but have had your hours or income reduced as a result of COVID 19, your claim will be assessed based on hours worked and income as at 29 February 2020. If your hours worked and income earned were higher on the date of illness/injury, that date will be used instead.

If you’re no longer employed, your income protection may have stopped when you lost your employment and you should contact your financial adviser or contact us.

If you’ve been impacted by COVID-19 and need to make a claim on your TPD or IP insurance, you’ll be able to submit a claim at any time for the period between 29 February 2020 and 31 March 2021.

Please check your policy documentation to confirm which terms applies to you.

I’m on leave without pay (LWOP) and was supposed to return to work, but was unable to as a result of COVID-19 – will my benefits be impacted?

If you were on extended leave from work (e.g. parental leave) and had an agreed return date but you were unable to return because of the economic impact of COVID-19 at work, you may be eligible to receive insurance benefits. This is subject to your claim being accepted and you meeting the standard terms and conditions for your insurance. The short-term measures mentioned above don’t apply here.

This only relates to claims made for any injuries or illnesses that happened between 29 February 2020 and 31 March 2021. Although you can lodge your claim outside these dates (subject to your standard policy terms and conditions). For example, you can lodge a claim in December 2021 for an injury you experienced between 29 February and 31 March 2021.

I was receiving the JobKeeper payment. How will this impact my claim?

For TPD claims, JobKeeper payments were not considered as income. You will be assessed based on hours worked and income as at 29 February 2020 where necessary.

For IP claims, if you received JobKeeper payments and an IP benefit at the same time, the JobKeeper payment will be treated as an offset against the IP benefit payable, where offset rules apply. That means your IP benefit will be reduced by the amount of the JobKeeper payment you were receiving.

For policies where offset rules don’t apply, if you meet the partial disability definition of your policy, JobKeeper payments received while partially disabled will be considered as income. If you don’t meet the partial disability definition, you may receive both payments in full. Please refer to your policy documentation to check whether offset rules apply to your policy and to check your partial disability definition.

Important information

Any advice and information on this website is general in nature and is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), which is part of the Resolution Life Group. Resolution Life can be contacted on 133 731 or via the contact us page. The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters.

Products in the National Mutual Retirement Fund are issued by Equity Trustees Superannuation Limited ABN 50 055 641 757. Insurance and Investment products are issued by Resolution Life.

If you decide to purchase or vary a financial product, Resolution Life and/or other companies within the Resolution Life Group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium you pay or the value of your investments. You can ask us for more details.

All information on this website is subject to change without notice.