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What’s new in the standard IP policy?

Protect administers Australia’s leading range of personal income protection insurance policies for workers. The insurance policy schedules are held by the relevant union and are issued by ATC Insurance Solutions. Our income protection insurance pays out benefits to members who are unable to work due to a non-work related injury or illness. The cover is global, 24 hours a day, 7 days a week.


Standard Injury & Illness Cover brochure

The following improvements have been made to the Standard* Protect Injury and Sickness Policy:

Mental Health

Benefits payable under the mental health additional benefit have been increased from 9 weeks to 13 weeks. In addition, the requirement to be hospitalised has been removed however, members are required to be under regular treatment from a qualified psychiatrist and must follow the recommended treatment plan. All other qualification criteria remain unchanged.


Previously, complications arising from pregnancy were only covered if a member was hospitalised in the first 33 weeks of pregnancy. The requirement to be hospitalised has now been removed. However, no benefits will be payable for morning sickness unless the member is diagnosed with severe morning sickness. All other qualification criteria remain unchanged.

Pre-existing Diabetes

Subject to certain criteria being met under the Policy, members will be entitled to 13 weeks of benefits for pre-existing diabetes conditions. For further details on the qualification criteria, please contact ATC or Protect.

This information is intended to provide a brief summary of some of the changes to the Standard* Protect Injury and Sickness Policy. All claims are subject to the terms and conditions set out under the Protect Injury and Sickness Product Disclosure Statement (PDS). Limitations and exclusions apply. For a copy of the PDS please contact ATC Insurance on 03 9258 1777.

*These changes apply to the Standard Protect Income Protection Programs and not all income  programs administered by Protect. To determine if these benefits apply to you, please contact your Union Delegate, Organiser or Protect.

Published Thursday 4 March, 2021