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HESTA Income Protection Insurance


HESTA offers low cost income protection insurance plans through OnePath Life Limited. The income protection plans offered by HESTA can not only help policy holders but also their families when they are struck with health problems such as disability.

HESTA’s income protection plans provide protection to policy holders until they are either 60 or 65 years old. These plans give policy holders an indexed income if they are temporarily or partially disabled. Depending on the cover chosen, the policy holder can get monthly compensation payments from this company for up to 2 years. The standard income insurance plan offered by HESTA is offered in units of cover and has a fixed premium for every unit.

The basic plan offered by HESTA includes two units of cover. Each standard unit provides a monthly benefit up till the policy holder is 60 years old. To enjoy the benefits offered the policy holder has to wait for 90 days and has to pay $0.90 per unit. The monthly compensation amount offered for every unit is up to $425 but can vary depending on a few factors.

Buyers who are interested in getting maximum protection can apply for additional cover up to $25,000 every month that is limited to 85% of their pre disability income. Policy holders who opt for standard covers can enjoy the benefits of the selected plan until they are 60 years old, optionally for a maximum period of 2 years along with a lower premium. Since the income protection plans offered by this company are flexible, policy holders can choose a shorter wait








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Income protection is a crucial part of any comprehensive financial plan. If you�d like some help customising the correct policy for you, or want to know more about the income protection insurance benefits.