Income protection insurance Uc

Nguoi lam cong ty co sick leave; nguoi tu kinh doanh va contractor thi khong.

Income protection la luoi an toan tai chinh quan trong nhat cho nguoi lao dong tu do.

Tóm tắt nhanh

• Bao 75% thu nhap khi khong the lam viec do benh/tai nan.
• Waiting period: 30/60/90 ngay — cang dai phi cang thap.
• Benefit period: 2 nam, 5 nam, hoac den 65 tuoi.
• Phi co the khau tru thue (held outside super).

Income protection la gi va ai can?

• Nguoi tu kinh doanh, freelancer, contractor
• Nguoi co vay nha lon ma chi co 1 nguon thu nhap
• Nhan vien khong co sick leave du (contract, casual)
• Nguoi co nguoi phu thuoc gia dinh

Cach tu so sanh policy

• Agreed value vs indemnity: Agreed: tra so da thoa thuan; Indemnity: theo thu nhap thuc te
• Waiting period: 30 ngay (dat), 90 ngay (re) — chon theo quy tiet kiem
• Benefit period: 2 nam re nhat; den 65 dat nhung bao ve tot nhat

Câu hỏi thường gặp

IP trong super hay ngoai super?

Trong super phi tru tu super. Ngoai super phi duoc khau tru thue — nen giu ngoai super neu muon loi ich thue.

Co thai co duoc bao khong?

Phu thuoc policy. Mot so bao co thai nhung co dieu kien — doc ki PDS truoc khi mua.

Tham khao financial adviser co dang ky truoc khi mua bao hiem tai chinh.

Xem them