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Protect Injury & Sickness Cover- Coronavirus COVID-19 Update

This article aims to answer the most commonly asked questions in relation to the developing coronavirus (COVID-19). As the situation unfolds new challenges will arise but rest assured our aim is to continue to support all Protect members as best as we can.

Before contacting Protect or ATC with queries regarding COVID-19, please read all of the information contained in this release. If you have any additional questions, feel free to contact the ATC claims team directly on 1800 994 694 during business hours between 8.30am to 5.00pm.


Protect Injury & Sickness Cover- Coronavirus COVID-19 Update

COVID-19 frequently asked questions

The policy does not contain any exclusions related to a pandemic

The Protect Injury & Sickness Policy (the Policy) is here to provide income support for financial members who are declared unfit for work by a medical practitioner due to a covered injury or illness.

The Policy does not contain any exclusions, provisions or limitations specifically related to a pandemic virus that you might find in other insurance policies. Generally speaking, if you as a Protect member were to contract the virus and became unable to work as a result then it is likely that the Policy will be able to assist, even if your symptoms are mild.

As is the case with all claims, we will require medical evidence to confirm your diagnosis. Claims for COVID-19 will require a copy of your positive test results. This documentation can be obtained from the doctor/clinic/hospital that conducted the test(s).

Claims should be submitted via email or fax

Please note: all claims are subject to a waiting period of typically 14 or 30 days where no benefits are payable.

If you’re unsure if your claim will be covered, we suggest submitting a claim for consideration. Our focus is always to assist where we can.

To protect our staff, we ask that where possible, all claims be submitted to our office via email to or fax to 03 9867 5540. Please do not attend the ATC or Protect office to drop off paperwork or post paperwork if you have, or suspect you may have, COVID-19.

Unfortunately, no

In instances where suspicion of contraction of the virus has occurred, self-isolation is important to help prevent the spread of the virus and to protect the community. Self-isolation without a confirmed case of the illness (even if under medical advice) is unfortunately not covered by the Policy.

Not unless you are sick or injured

Income protection only applies when a member can’t work because they’re sick or injured. Self-isolation without a confirmed case of the illness (even if under medical advice) is unfortunately not covered by the Policy. 

The policy applies only if you are sick or injured

Many organisations are temporarily reducing or ceasing operation in order to ensure the safety of their staff and to help prevent the spread of the virus. The Policy covers instances where a member can’t work because they’re sick or injured. If your employer is shutting down, or reducing your hours, the Policy is unfortunately unable to assist because in these circumstances you’re not sick or injured.

The policy only applies if you are sick or injured

The Policy is only able to provide income protection benefits if you are unwell. If you do not contract COVID-19 but are forced to stay at home for a period of time, the policy is unable to assist.

Service will continue

Protect and ATC both have contingency plans in place to ensure our operations can continue.


Please note that this information is to be considered as general advice only and does not take individual circumstances into consideration. As the COVID-19 situation unfolds, information may change, though all claims will be assessed based on the Protect policy wording and the medical information made available to us.

While the continuity of our service to Protect members is important to us, the health and safety of Protect members is equally as important. If you become unwell, first and foremost seek medical advice without hesitation. The Australian Government has set up the Coronavirus Health Information Hotline (1800 020 080) which can provide useful advice if you have contracted or suspect you may have contracted the disease.

Further information about COVID-19 and the situation can be found at the following links:

Published Monday 16 March, 2020