Total Permanent Disability (TPD) Insurance

Qantas Insurance

Caring for kids. Getting around. Getting on with life. TPD is the financial protection that helps you provide for your loved ones and live your life should you become permanently disabled and cannot work as a result of accident or injury. In short, it provides financial relief when you’re not able to work again.

The Qantas Insurance difference

Not all insurances are the same. When you join Qantas Life Insurance you can earn Qantas Points and put them towards flights, upgrades and more.

100KUP TO
Earn up to 100,000 Qantas Points when you join
Min. monthly premium of $25 applies. Monthly premium of $300 required to earn 100,000 points.
Earn 1 Qantas Point per $1 spent on your premium
Earn Qantas Points for using the Qantas Wellbeing App

Why Qantas TPD Insurance?

  • A lump sum payment if you can never work again due to injury or illness
  • up to $2 million payment
  • You can easily update your cover if needed
  • The financial flexibility to pause your cover for up to 3 months
  • No medical tests required to apply

Earning Qantas Points

Life insurance is another way to earn Qantas Points and if you take out a policy you could earn from 2,000 points to up to 100,000 points on premiums from $25 to $300+ per month. Points will be credited over 9 months, in 8 equal monthly instalments which will commence after the policy has been held for 60 continuous days.

Learn more

Consider one or more of the following Covers

Total permanent disability insurance cover - Accident Cover

Accident Cover

Accidents happen – and, sadly, may result in you becoming permanently disabled and unable to work. Accident Cover helps provide financial security for your loved ones if you suffer Total Permanent Disability, such as from a car accident.

Total permanent disability insurance cover - Sports Cover

Sports Cover

This cover works in tandem with Accident Cover, and extends your protection to include Total Permanent Disability caused by a Sports Injury such as a broken neck due to a football injury. Note: only available in conjunction with Accident Cover.

Total permanent disability insurance cover - Illness Cover

Illness Cover

This helps protect your loved ones if you can never work again as a result of an illness such as cancer, heart disease, circulatory disease, neurological disease or organ failure.

Not sure what insurance you need?

  • Options available
    • Standalone vs Bundled Insurance

      When you select more than one insurance, you can choose to have them Standalone or Bundled. Standalone – means you can keep all your insurances independent – purchase just one, two, three or all four insurances independently and receive the full Benefit Amount on acceptance of each claim. You will pay more for Standalone, but the advantage is that if you make a claim, the Benefit Amount of your remaining insurances will not be reduced, unlike Bundled insurance. Bundled – you can bundle TPD or Trauma Insurance with Life Insurance Cover. If you bundle covers, the payout of one Cover will reduce the Benefit Amount of the covers within the Bundle by a corresponding amount (Bundled Cover can only be set up over the phone).

      For more information please see the 'Choosing between Standalone and Bundled Insurance' section of the PDS

    • Premium Relief

      If you add this option, you won’t need to pay your TPD premiums if you are unable to work for at least three consecutive months due to illness or accident. (This can only be set up over the phone).

      Life Buy Back

      If you Bundle your TPD with your Life Insurance, you can buy back any Life Insurance that has reduced after a TPD payment. (Bundled Cover and Life Buy Back can only be set up over the phone).

      For more information please see the PDS

  • How to claim
    • How to make a claim

      To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claim Manager to find out what you need, to make it as easy as possible for you.

    • Payments

      You will be the recipient of your lump sum payment.

      For more information please see the PDS

  • General Information
    • The cost

      The cost of your TPD cover will depend on a range of factors, including your age and gender, health, your occupation, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker.

      Minimum and Maximum Cover

      You can apply for between $100,000 and $2 million worth of cover. Some limits may apply depending on your income and age.

      What you’re not covered for

      Qantas Life Insurance gives you options to build a comprehensive insurance plan, but there are some events we can’t cover. For example if your injury was intentional or self-inflicted. See the PDS for a full list of what’s not covered.

      Premium changes

      Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However we are able to change the premium rates for all customers if conditions change or we receive more claims than expected.

    • Eligibility

      The eligible age range is from 18 to 59 years old. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply.

      Cover Start and End Dates

      We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 64th birthday (or 99th for Bundled cover). This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure.

      Applying for cover

      When you apply for Qantas Life Insurance, you will be asked a number of health and lifestyle questions. These questions relate to your Duty of Disclosure, and your answers may mean that you have increased risk factors under the Policy. If any special conditions apply we will discuss these with you.

      For more information please see the PDS

  • Total Permanent Disability Benefit

    If you can never work again due to injury or illness, you’ll receive a lump sum payment so you can still make the most of life.

    Cover Pause

    In case of financial hardship, you can pause your cover for up to three months. You won’t pay premiums but you also won’t be covered during the Cover Pause period and 3 months after you restart paying premiums. It’s easy to switch on your cover again and you won’t need to go through the health and lifestyle assessment again. (This can only be set up over the phone).

    Inflation Protection

    Inflation Protection could automatically increase your cover amount by 5% every year, or by the Consumer Price Index – whichever is greater. Your premiums will also increase accordingly.

  • Choice of ‘Any’ or ‘Own’ occupation

    Choose whether you’re covered in case you can’t work again in ‘Any’ occupation, or your ‘ Own’ occupation – the occupation you were working in immediately prior to your disability.

    Future Life Events

    If a specific life event happens, for example getting married or having a child, you can easily update your TPD cover.

    Stepped vs. Level Premiums

    You can choose to pay either Stepped or Level Premiums. Stepped Premiums increase every year, but generally start off cheaper. Level Premiums generally start higher but do not increase each year with your age. Level Premiums can increase through general premium rate rises and through Inflation Protection.

    For more information please see the PDS

  • Standalone vs Bundled Insurance

    When you select more than one insurance, you can choose to have them Standalone or Bundled. Standalone – means you can keep all your insurances independent – purchase just one, two, three or all four insurances independently and receive the full Benefit Amount on acceptance of each claim. You will pay more for Standalone, but the advantage is that if you make a claim, the Benefit Amount of your remaining insurances will not be reduced, unlike Bundled insurance. Bundled – you can bundle TPD or Trauma Insurance with Life Insurance Cover. If you bundle covers, the payout of one Cover will reduce the Benefit Amount of the covers within the Bundle by a corresponding amount (Bundled Cover can only be set up over the phone).

    For more information please see the 'Choosing between Standalone and Bundled Insurance' section of the PDS

  • Premium Relief

    If you add this option, you won’t need to pay your TPD premiums if you are unable to work for at least three consecutive months due to illness or accident. (This can only be set up over the phone).

    Life Buy Back

    If you Bundle your TPD with your Life Insurance, you can buy back any Life Insurance that has reduced after a TPD payment. (Bundled Cover and Life Buy Back can only be set up over the phone).

    For more information please see the PDS

  • How to make a claim

    To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claim Manager to find out what you need, to make it as easy as possible for you.

  • Payments

    You will be the recipient of your lump sum payment.

    For more information please see the PDS

  • The cost

    The cost of your TPD cover will depend on a range of factors, including your age and gender, health, your occupation, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker.

    Minimum and Maximum Cover

    You can apply for between $100,000 and $2 million worth of cover. Some limits may apply depending on your income and age.

    What you’re not covered for

    Qantas Life Insurance gives you options to build a comprehensive insurance plan, but there are some events we can’t cover. For example if your injury was intentional or self-inflicted. See the PDS for a full list of what’s not covered.

    Premium changes

    Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However we are able to change the premium rates for all customers if conditions change or we receive more claims than expected.

  • Eligibility

    The eligible age range is from 18 to 59 years old. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply.

    Cover Start and End Dates

    We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 64th birthday (or 99th for Bundled cover). This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure.

    Applying for cover

    When you apply for Qantas Life Insurance, you will be asked a number of health and lifestyle questions. These questions relate to your Duty of Disclosure, and your answers may mean that you have increased risk factors under the Policy. If any special conditions apply we will discuss these with you.

    For more information please see the PDS

Qantas Insurance endorses the Life Insurance Code of Practice so you always receive the highest possible standard of service. Find out more.

Join now and make life more rewarding

Qantas Life Insurance is promoted by Qantas Airways Limited, ABN 16 009 661 901 Authorised Representative No. 261 363 of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Life insurance policies are issued and claims are administered by the insurer, TAL Life Limited ABN 70 050 109 450 AFSL 237848.

The information on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a life insurance product, you should consider the appropriateness of the advice having regard to those factors, and consider the relevant combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG). The PDS contains information about the product, including the terms, conditions, limits and exclusions that apply, and will assist you in making an informed decision about the product. The FSG provides information about the services that TAL Direct and Qantas can provide, how Qantas and other relevant persons are remunerated by TAL Direct, and includes details about our complaints handling procedures and how you can access them.

Make sure you fully understand the terms and conditions of this life insurance product and any existing cover you have before you apply for new cover or change or cancel any existing cover. There are risks involved in replacing existing cover, including differences in cover terms, qualifying periods starting again, and the risks of not disclosing everything the insurer needs to know for your new policy. Applications for new Qantas Life Insurance and changes to cover are subject to underwriting and acceptance.