Bill protection

Bill Protection Cover can help with the bills if you can’t work. If something serious happens to you, it could pay you a monthly benefit for those household expenses, so the bills don’t pile up.

How Bill Protection Cover Works

When you apply for Westpac Bill Protection Cover, you choose a monthly benefit amount of $500, $750 or $1,000. This is what you think you’ll need to cover your monthly bills.  Then:

If you’re unable to work because of disability

After 30 days of illness or injury, you could be paid your monthly benefit. You can claim more than once for the same condition for up to 24 months in total.  You must be working more than 25 hours a week in paid employment at the time you’re hurt or get sick.

If you’re made redundant

Bill Protection could pay out your benefit if you’re made involuntarily redundant.  Payments start after 30 days and can continue for up to six months.  You must be working more than 25 hours per week in employment, as at the date you stopped work.

If you’re made bankrupt

Bill Protection could pay out your benefit if you’re self-employed and made bankrupt. Payments can start immediately and can continue for up to six months. Your cover must have been in place for at least six months.


More reasons to choose Westpac Bill Protection Cover

No medical information required

There are no medical questions to answer when you apply. Acceptance is automatic. However you will not be covered for any pre-existing medical conditions.

Suspend your cover if you need to

You can suspend your cover for up to 12 months if you aren’t working.

Take a premium holiday while you claim

If you’re claiming a benefit under Bill Protection Cover, you won’t pay your Bill Protection Cover premiums (up to a maximum of $300 per month)

Disability benefit paid out on top of any ACC payment

The monthly payment you receive doesn’t reduce if you’re receiving payments from ACC, or payments from another insurance provider.

Payments flexibility

Choose a payment option to match your pay days. You can pay your premium fortnightly or monthly.

Healthy living discount

If you don’t smoke, we’ll give you a discount.

Cover your partner too, and save

You could get a discount on your premium if you and your partner apply for individual cover at the same time.

Get Westpac Bill Protection Cover with a 30 day free look

Call for a quote

With our 30-Day Free look, if you decide the cover is not for you during the free look period, just notify us and we’ll refund any premiums you’ve paid.

You might also like these options:

2x status points


2x status points

Credit card

Westpac Bill Protection is underwritten by Westpac Life-NZ-Limited (“Westpac Life”), which is a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited, which is a wholly owned subsidiary of Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia. Neither Westpac Banking Corporation nor Westpac New Zealand Limited (“Westpac”) guarantees the obligations of, or any products issued by Westpac Life. Westpac will receive commission payments as a result of the arrangement of Westpac Life Insurance policies. For Westpac Life’s solvency margin please click here. For Westpac Life's financial strength rating please click here.

Terms, conditions, exclusions and limits apply to Westpac Bill Protection. A policy document may be downloaded here as a PDF or obtained from any Westpac branch free of charge. The availability of any insurance cover is subject to the acceptance and approval of a completed application.

Any payment is subject to your claim being accepted. 

Important things to know

Who can apply for Bill Protection

You can take out Westpac Bill Protection if you’re between 18 and 64 years old (inclusive). Note that Westpac Bill Protection premiums are reviewed each year and generally increase with age.

What isn’t covered?

You will not get a pay out from the Bill Protection policy if the claim results from:

  • you taking part in a strike, a riot, civil commotion, war or illegal acts
  • any condition or event which is caused by AIDS or any AIDS-related condition
  • an event that you knew about or were likely to know about when you applied for your cover (including any increases).
Total Disability

No benefit will be paid:

  • for the first 30 days of consecutive total disability
  • if you were working for less than 25 hours per week in paid employment at the date you stopped work or sought medical advice (whichever is earlier)
  • absence from work due to pregnancy, childbirth or abortion
  • for disability caused or resulting from:
    • any injury, sickness or disease which existed whether or not diagnosed at commencement date
    • any sickness or disease which first made itself know within 28 days after commencement date
    • a deliberate self-inflicted injury or attempted suicide
    • the taking or use of alcohol, poison or drugs other than a drug taken on the advice of a legally qualified medical practitioner.

No benefit will be paid:

  • for the first 30 consecutive days of redundancy
  • for any redundancy that occurs, or that you become aware of, or ought to have been aware of, within 60 days from the commencement date of the policy, or any reinstatement date, or the date of any increase in the sum insured (in relation to the amount of the increase)
  • if you were working for less than 25 hours per week in employment at the date you stopped work
  • if you are not paid by salary or wages
  • if you are self-employed, in seasonal or contract work, or in temporary or casual work
  • if you are a director with control over your employment or employed by a direct member of your family. 
  • No benefit will be paid:
  • if you are not self employed
  • if you take voluntary bankruptcy
  • if you have applied for or been admitted to the no assets procedure
  • if you are adjudicated bankrupt within six months from the commencement date
  • if you knew at commencement date, that it was likely or possible that a bankruptcy notice would be issued against you or a creditors application for bankruptcy would be made to court
  • if, at or before the commencement date you have received a bankruptcy notice or committed an act of bankruptcy.

Read your policy

You’ll find more details about your cover in your policy document including full details on stand down periods, exclusions and limits on cover. Do read it carefully, so you fully understand your cover. 

See your Bill Protection Policy