FAQs

Lifestyle Assurance insurance is like a safety net for your financial well-being. It provides cover for your income and a host of other benefits if you're unable to work due to an injury or sickness. This coverage ensures your own and your family's needs are met even during tough times, giving you peace of mind and is tax deductible.

Canopy Insurance stands out because our Group has been trusted by large organisations such as superannuation funds and union bodies, and we have access to multiple insurance markets, so we are able to offer you great coverage at competitive prices. Your advantage is buying as if you were a large group but as an individual. Our Lifestyle Assurance Package is unique to the market and is designed to match today's needs, offering you comprehensive cover when you need it the most.

Absolutely! With our user-friendly platform, getting a quote and purchasing coverage is a breeze. You can customise your options to suit your unique needs and get real-time quotes. It's all about making things simple and accessible for you!

Our group insurance experience and access to large insurance markets allows us to offer you insurance as if you were buying as part of a large group. In many cases, it is less than the cost of your daily coffee.

The cost of your premium can also be paid monthly and is tax-deductible.

In case of an injury or sickness, Canopy Insurance has your back. As part of our Company Group, we have our own in-house claims department that will guide you through the claims process from start to finish, ensuring a stress-free experience. Your focus can stay on taking care of you and your family while we take care of the paperwork.

Life is full of surprises, and Canopy Insurance understands that. You can modify your policy as your needs evolve. Just reach out to our customer support team, and they'll assist you with any necessary adjustments.

Yes, you can trust Canopy Insurance! We are fully licensed and regulated to provide insurance products. Your financial security is in good hands with us, not just by offering you comprehensive, innovative coverage but being there for you when you need it the most.

Your maximum benefit is up to 100% of your income for the first 6 weeks, then 85% or 75% for the remaining term of your claimable period, and is calculated using your wages earned for the 12 months prior to your incapacity.

Yes! All time lost for your claimed condition must be medically supported. Please ensure that all medical certificates provided by your doctor state the condition and period you are being certified unfit for. Occasionally we will ask you to complete a Medical Declaration Form to ascertain further information regarding your condition. A certificate/ MDF is required to be issued by a Psychiatrist or Psychologist for Claims for all Mental Conditions.

We understand the significance of your financial stability. At Canopy Insurance, we process your benefits every two weeks, following the guidelines stipulated in the Policy. These payments are thoughtfully directed straight to you. Your well-being matters to us.

We will deduct all other income you receive during the same benefit period so it is important that you declare all other income you receive whilst on claim with us.

Under this Policy we will make up the difference between your Workers Compensation benefits and what our benefits are.

When you're ready and fit to resume work, your benefits will naturally come to a close. We're here to support your transition back to your professional journey. Your health and progress matter to us.

If you are fit to go back to work on partial duties, and are not earning your pre-disability income, then we can review making up the difference between what your earned from your partial duties and our benefit amount.