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Zurich Income Protection

Income Protection Plan



Company Type

Private Limited Company

Company Overview

The Swiss insurance company Zurich operates in more than 170 countries and has around 55,000 employees worldwide. As well as being the largest insurer in Switzerland, it is one of the largest companies in the world.

Drewberry reviews Zurich Income Protection Insurance

Zurich have won more than several awards for their outstanding service and insurance products, including consecutive awards from FT Adviser for five star and four star online customer service.

Zurich provide Life Insurance policies and a range of other wealth-related services, including Zurich Income Protection Insurance.


Zurich Income Protection key facts   Zurich Income Protection Policy Terms

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By reaching this page you are eligible for two months FREE cover when you set-up your new Income Protection policy.

Simply fill in the form on this page to apply your two months free discount and get your instant quotes or call us on 01273646484 and state the code VC2MF.

Overview of Zurich insurance policy

Income Protection Overview

Zurich offers specialised cover for doctors and surgeons which increases the minimum benefit they guarantee to pay and allows for a deferred periods that accommodates the NHS’ staggered sick pay policy.


Zurich allow you to choose two deferred period at once in order to stagger your monthly benefit. When the first deferred period ends, you’ll start to receive an income. An additional amount will then be payable when the second deferred period ends. This can be useful if you’re entitled to some form of sick pay for a specific period and only need a lower level of income while you’re receiving said sick pay.


Zurich offer a guaranteed minimum benefit of £1,500 if you choose cover of over £1,500 per month. This means that they will pay out a minimum benefit of £1,500 per month even if your salary dips and can no longer support the benefit you originally applied for.


You can take a career break of up to 12 months with a Zurich Income Protection policy.


Zurich refers to their guaranteed insurability option as a ‘milestone benefit’. When certain important life events occur, you will be able to increase your cover without needing to go through a new underwriting process.

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Zurich policy conditions

Zurich Policy Conditions

Overview of Key Policy Details

Policy Type

Income Protection

Premium Type

Premiums increase if you choose increasing Income Protection cover

Maximum Claim Duration

  • 2 years
  • Unlimited

Incapacity Definition

Own occuptation

Deferred Period

4 / 8 / 13 / 26 / 52 / 104 weeks



Waiver of Premium


Maximum Cover

80% of your net annual salary, or £20,000 per month.

Maximum Cease Age

70 years

Minimum Entry Age

16 years

Maximum Entry Age

64 years

Minimum Policy Term

5 years

Maximum Policy Term

54 years

Guaranteed Insurability

Covers marriage or civil partnership, divorce, becoming a parent, or receiving a salary increase

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

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Read the Drewberry Zurich Income Protection review

Drewberry Reviews Zurich Income Protection Insurance

Zurich’s standard Income Protection policy comes with a range of additional benefits that are included automatically, but Zurich also offers an Income Protection Select policy which includes even more benefits that can be added to the policy for an additional premium.


Key Comparison Points

  • Zurich Income Protection policies offer an extensive range of benefits you can receive in addition to your insurance cover. This list includes rehabilitation support, fracture cover, and trauma benefit.
  • Zurich offer a minimum benefit guarantee of £1,500. This means that if you originally agreed on a monthly benefit of more than £1,500 but your salary is later reduced, Zurich guarantee to pay out a minimum of £1,500 if you need to claim on your Income Protection policy.
  • If you return to work after a claim on a part time basis or to a reduced salary, Zurich will top up your salary to bring it to its original amount until you are completely recovered.

Additional Benefits & Services

Zurich Support Services

Zurich’s Support Service, an additional service included with your policy, gives you access to an independent team of counsellors, advisers and experts.

With Zurich’s Support Services you have someone to talk to and help you with anything from daily stress to employee rights and bereavement counselling. You can use the services for:

  • Legal support
  • Debt and money management advice
  • Emotional and mental health support
  • Career and employment guidance
  • Relationship advice & support
  • Support and guidance after the loss of a loved one.

This service is available 24 hours a day and is entirely free and confidential.

Fracture Cover

When you take out your policy, you will have the option to add special Fracture Cover to your Income Protection Insurance by paying a small fee.

This cover will pay out a lump sum to support your treatment and recover if you sustain certain fractures, dislocations, tendon ruptures, or ligament tears during the term of your policy. Depending on the the type of injury you sustain Zurich will pay out a lump sum of £2,000, £4,000, or £6,000 and there is no underwriting process necessary in order to claim.

Maternity, Paternity and Adoption Benefit

If you take maternity or paternity leave, or if you take some time off work to welcome an adopted child into your family, Zurich will cover you as though you are still working. This means that if you fall ill or are on injured while on parental leave, you can claim Income Protection benefits.

House Person Benefit

Provided you are in paid employment when you first took out the policy, you can receive Income Protection benefits even if you are not in paid employment at the time of making your claim. Provided your incapacity is severe enough to prevent you from carrying out certain acts of daily living, you can claim the lower of 80% of your pre-incapacity salary or £1,500 per month.

Doctors and Surgeons Benefit

If you are a doctor or a surgeon working with the NHS, your minimum benefit guarantee with a Zurich Income Protection policy is increased from £1,500 to £3,000. In addition, you are able to set 2 different deferred periods so that when your sick pay is reduced, your Income Protection benefits can be used to top up your income.

Career Break

You can decrease your cover down to £250 for up to 12 months if you are made redundant or are interested in taking a career break. Lowering your cover will in turn lower your premiums, making it easier to afford them while you aren’t working.

For an additional fee, Zurich offer an Income Protection Select policy, which includes the following extra benefits.

Trauma Benefit

If you suffer from certain traumatic conditions during your policy term, such as deafness or paralysis to a limb, Zurich will pay put the lower of 6 times your monthly benefit or £50,000.

Family Carer Benefit

This cover will pay out the lesser of £1,500 or your monthly benefit if the policyholder needs to stop working in order to take care for a spouse, partner or child who is incapacitated. You can receive this benefit on a monthly basis for a maximum of 12 months.

Hospitalisation Benefit

Zurich will pay out £100 per night for up to 90 nights if you are in the hospital for at least 7 days.

Needlestick Benefit

Zurich will pay out a lump sum of up to six times your monthly benefit or £50,000 if you contract Hepatitis B or C or HIV as a result of a needlestick accident at work.

Funeral Benefit

If you die during the policy term, Zurcih will  pay out the lesser of six times your monthly benefit or £10,000 to your loved ones to cover the cost of a funeral.

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Zurich Income Protection Insurance: FAQs

Sam Barr-Worsfold, Independent Insurance Expert at Drewberry

We aim to know the policies we advise on, inside out and back to front. Below is a couple of commonly asked questions with regards to the policy coverage of the Zurich Income Protection Insurance answered.

If you need any further help please do not hesitate to call us on 02084327333.

Sam Barr-Worsfold
Independent Insurance Expert at Drewberry

Q. How does Zurich’s Waiver of Premium work?

A. While you are making a claim on a Zurich Income Protection policy, your premiums will be waived and you will not need to pay them. Typically Zurich will stop collecting your premiums once you have reached the end of your deferred period and begin claiming your monthly benefits. However, if during your deferred period you notify them of a valid claim and undergo an assessment, Zurich may stop collecting your premiums right away.

Q. Can I claim on a Zurich Income Protection policy if I am temporarily out of work?

A. While some providers may not offer any kind of cover while you are not in paid employment, Zurich are able to make an exception provided you were in employment when you first applied for the policy. If you need the help of an Income Protection policy while you are temporarily unemployed, you are able to claim a House Person Benefit.

Provided you are not well enough to perform certain activities of daily living – such as writing, walking or bending – you can claim the lower of 80% of your net earnings before becoming unemployed, your agreed upon monthly benefit, or £1,500 per month.

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