Income Cover provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery. 收入保障险用于补偿因伤病不能工作而造成的损失。该保险可以对您收入损失的大部分进行补偿 （差额部分足以激励您重返工作岗位）。
Your choice of waiting periods, cover terms and payment terms
The Income Cover provides you with the flexibility to structure your plan to most closely suit your needs. You have a choice of six waiting periods, the period of time before your monthly benefit begins after becoming disabled; either 4，8，13，26，52，or 104 weeks. You also have a choice of two cover terms either to age 65 or 70 and six payment term options of three， six or twelve months， two or five years，or to the end of the cover term. （客户自行选择等待期限、投保期限、和赔付期限。（注：等待期限越长，保费越低；赔付期限越长， 保费越高）
Benefit agreed upfront or assessed at claim （自行确定收入评估时间）
There are two options when applying for Income Cover，on when your income will be assessed. You have the choice to provide financial evidence at application time to obtain an agreed monthly benefit，which is not then financially assessed again at claims time. Alternatively，you can choose to purchase an indemnity benefit which will be calculated based on the income you can prove you were earning just before becoming disabled. 依据评估收入的时间，可有两种选择：约定月度赔偿额，投保时提供收入证明；和损失补偿额，索赔时提供收入证明。
Specific injury （特殊伤病）（注：若伤病期长于所选择赔付期，之后按照正常月度保险额进行赔付）
If you suffer from one of the specific injuries listed below，you will be paid the monthly benefit for a specified minimum period irrespective of whether you return to work within that time frame. If your disability lasts longer than the specified minimum period the normal monthly benefit will continue to be payable. Minimum specified periods can be found in the Income Cover Protection Benefit Sheet (Indemnity and Agreed Value).
Fracture of jaw （颌骨骨折); Fracture of skull （颅骨骨折); Fracture of forearm （前臂骨折); Fracture of collarbone （锁骨骨折); Fracture of wrist （腕骨骨折); Fracture of upper arm （上臂骨折); Fracture of shoulder; Fracture of elbow; Fracture of vertebrae （椎骨骨折); Fracture of kneecap （膝盖骨骨折); Fracture of ankle （踝关节骨折); Fracture of heel （踵部骨折); Fracture of leg below the knee (tibia or fibula); Fracture of the leg above the knee (femur); Fracture of the pelvis （骨盆骨折); Loss of the thumb and index finger of the same hand; Loss of a foot or hand; Loss of sight in an eye ; Loss of a whole leg or arm (18 months) Loss of any combination of hand foot or sight; Paralysis (Diplegia 双侧瘫痪 Hemiplegia 半身不遂 Paraplegia 下身麻痹 Quadriplegia 四肢麻痹).
Critical illness （严重伤病）（赔付期至少半年。之后按照正常月度保险额进行赔付）
If you suffer from one of the critical illnesses listed below you will be paid the monthly benefit for a minimum period of six months* irrespective of whether you return to work within that time frame. If your disability lasts longer than six months the normal monthly benefit will continue to be payable.
Aortic Surgery（动脉手术); Cancer 癌症; Chronic Kidney Failure（慢性肾衰竭); Chronic Liver Failure（慢性肝衰竭） Chronic Lung Failure（慢性肺衰竭); Coronary Artery Surgery（冠状动脉手术); Heart Attack（心脏病); Major Burns（重度烧伤); Major Head Trauma（严重头部创伤); Multiple Sclerosis（多发性硬化); Stroke（中风）
*For payment terms of three months， this benefit will pay a maximum of three months.
Waiver of waiting period. If you suffer a recurrence of a previous disability or a new disability within twelve months of ending a claim under Income Cover，the chosen waiting period will be waived for the second disability. This is on the fact that you have most likely exhausted your available sick leave and annual leave entitlements during the previous waiting period. （若在索赔后一年内旧病复发，或现新症，将免除赔付等待期。）
Retraining and rehabilitation （再培训和康复期）。If you are receiving a claim under the Income Cover benefit, the insurer may pay up to twenty four times the monthly benefit to reimburse costs associated with retraining and/or rehabilitation programmes that might assist you to return to work. This benefit is not available for payment terms less than two years. （赔付期长于两年者，可获得24个月之月度赔偿额，用于弥补再就业培训和康复治疗之费用）
Return to work reward （鼓励重返工作岗位）。If you are receiving a total disability benefit and manage to return to work on a part-time basis as part of your recovery, the insurer will boost your partial disability payments with bonuses once you have been back to work part-time for three months and then again after six months. 失去工作能力保险金申领者如果在非全日制工作岗位上工作达三个月以上的，可获得保险人赔付金鼓励 （红利）
When you are confined to bed （床位护理）。If as a result of a disability, you are admitted to hospital or are confined to bed at home under medical orders, for more than three nights, your Income Cover benefits will start from your first day of confinement to hospital or home rather than at the end of the waiting period. 如果遵医嘱住院或在家治疗长于三个夜晚的，收入保险金从入院或在家治疗第一天起开始支付。
Emergency transport costs （支付急救车交通费用）。Your Income Cover will reimburse you for the costs of any emergency transport you require as a result of your disability (up to certain limits).
Death benefit （伤葬补偿）。A lump sum payment of three times the monthly sum insured is payable to assist with funeral expenses should a life assured die whilst covered under the Income Cover benefit.
Special assistance at home （支付在家特殊护理费用）。If you suffer a disability and require full-time care at home, your Income Cover benefit will reimburse you the cost of a carer for up to six months (up to certain limits).
Special equipment or home modifications （购置护理器材或室内改造）。If you need to purchase specialised equipment, prosthetic devices or make alterations to your home or vehicle as a result of a disability, your Income Cover will reimburse those costs (up to certain limits).
What if the disability is total and permanent? （完全失去工作能力后之补偿）。If you are claiming a total disability benefit and it becomes clear that you will never be able to return to work again, then your Income Cover benefit will pay you a lump sum of up to twenty four times the monthly sum insured and your regular monthly benefit will also continue (certain conditions apply). （若永远失去工作能力，将一次性获赔24倍于月保险）
Bringing you home （旅程补助）。If you have been working overseas for more than three months when you suffer a disability and you wish to return home, your Income Cover includes a return to home benefit which will reimburse you for the costs of bringing yourself and a companion home to New Zealand (up to certain limits).
Treatment away from home （异地治疗）。If your recommended treatment has to happen outside of your home town, then your Income Cover includes a support person accommodation and transport costs benefit which will reimburse you for up to ten days accommodation costs and all transport costs for your support person (up to certain limits).
Increasing benefits to match increasing income 。Your income can change many times during the course of your career and each time your income increases, there is a financial need to increase your Income Cover to keep pace. The increasing income benefit allows your Income Cover to be increased (up to certain limits) without further health assessment whenever your income increases. （保险金额随收入增长而增长，无须再做身体评估）
Optional booster benefit （享有购买增长性保险金选择权）。For payment terms 12 months or greater， you have the option to purchase the booster benefit which will boost the monthly amount payable for the first three months of any claim under your Income Cover benefit by an additional one third. （赔付期限长于一年或以上者，被保险人可以选择购买该类保险金。在索赔时，前三个月将可额外获得赔偿额的三分之一。）
Optional total and permanent disability booster benefit （享有购买久病增长险选择权，仅适于赔付期限长于两年或以上者）If your disability is total and permanent we understand that the on-going financial impact could be over-whelming. If you choose to purchase the optional total and permanent disability booster benefit, once you qualify for the lump-sum total and permanent disability benefit already included in this policy， we will also increase your monthly benefit from then on by a further one-third of your sum insured. Additionally, any amounts we may have been offsetting, such as payments you might be receiving from ACC for example, will no longer be offset. You will receive your full monthly sum insured, plus an additional one-third. This optional benefit is not available for payment terms of less than two years. （经医学诊断不能重返工作岗位时，除获得一次性久病保险金外，按月支付的赔付款将获得额外三分之一增加，并不再冲减被保险人应获得的其他收入。）
Optional reduction in waiting period benefit （享有购买缩短等待期限选择权）。You have the option to purchase the reduction in waiting period benefit which allows you to reduce your waiting period without further health assessment any time there are relevant changes in your personal circumstances (certain exclusions apply).
Optional dependent relative benefit （享有购买照顾久病亲属之选择权）。You have the option to purchase the dependent caregiver benefit which will provide you with a proportion of the monthly benefit should you need to give up work to provide full-time care for a relative who can no longer take care of themselves as a result of a total disability (up to certain limits).
Optional KiwiSaver contribution while on claim （享有购买KS支付金选择权）。You have the option to purchase the retirement protection benefit and to select a 2%，4% or 6% contribution rate. This contribution is in addition to your monthly benefit.
Optional mental health discount （精神疾病保费折扣）。For all payment terms longer than two years，you can choose to limit the payment term to two years for periods of disability caused by the listed mental health conditions in exchange for a 10% premium discount: （赔付期限长于两年的，可限制于两年以换取10%之保费折扣）
Depression （抑郁症）；Anxiety （忧郁症）；Stress related disorders （压抑性不适症）；Phobias （恐惧症）
Future proofing the value of your benefits （保额、保费随通胀而变化）
To ensure your Income Cover can continue to deliver the same real value to you as when you first purchased it， your Income Cover will automatically increase by inflation each year， even when you are receiving monthly claim benefits. These increases apply irrespective of any changes to your health after your Income Cover starts. You also have an option to set a minimum inflation rate of 5% so even when the inflation rate falls below this level your Income Cover will still increase by 5%. Of course， if your Income Cover does increase by inflation， so will your premiums. You can choose to decline any increase in any given year without losing the automatic increase in following years， so you really have the best of both worlds – automatic rights to increase with no obligation to do so.
Loyalty discount. So you can take comfort that you will pay increasingly less for your Income Cover than new clients to the company will. The discounts that apply start from the 2nd anniversary and increase each year by 1% until reaching 10%. (保费按年获得忠诚度折扣，直至10%)
A premium holiday is available （保费支付假期）to you to provide financial relief during difficult times without losing your valuable cover. You can have up to six months of free Income Cover while you rearrange your financial affairs. Alternatively your premiums and cover may be suspended for up to twelve months if you need temporary financial relief due to overseas travel, parental leave, extended periods of leave without pay or even if you decide to embark on some full-time study. At the end of the suspension period you can restart your Income Cover without being reassessed. (在经济状况出现困难时，可享有多达半年之免费保险， 或终止保险至一年，而后续保时无须重新评估。
Keeping your Protection Plan up to date （随产品优化而优化）。Protection plan guarantees to automatically apply any future enhancements we make to Income Cover to your policy provided there is no additional premium required for those enhancements.
Worldwide cover (保险效力无疆域限制) Your Income Cover is valid wherever you may be in the world.
Talk to your adviser for more information.
Patrick Wang: 09-827 2256; 027 263 7878; firstname.lastname@example.org