ANZ Credit Card Repayment Insurance can help with your ANZ credit card debt should something unexpected happen to you. It is designed to be affordable while protecting you and your lifestyle.

These policies are underwritten by Cigna Life Insurance New Zealand Limited. Find out more about Cigna's financial strength rating and solvency.

To apply now call 0800 883 012

ccri categories

What's covered?

terminal illness    Terminal illness or death

Pays off your credit card balance up to $60,000 in the event of your death or if you're diagnosed as terminally ill.

  • Additional $1,000 contribution to help with other expenses

 


critical illness    Critical illness

Pays off your credit card balance up to $30,000 if you suffer from one of four critical illnesses.

 


permanently disabled    Permanent disability

If you're in full-time employment or self-employment and become permanently disabled, your credit card balance will be paid off up to $60,000. 

 


temporary disability    Temporary disability

Cover to help with your monthly credit card repayments if you're unable to work in full-time employment or self-employment, or are confined to hospital or bed at home, for more than 14 days due to an accident or illness.

  • Monthly payment of 15% of your credit card balance
  • Cover up to the lesser of your credit card balance or $60,000

 


Redundancy    Redundancy

Cover to help with your monthly credit card repayments if you're made redundant from full-time employment and don't work for more than 30 consecutive days.

  • Monthly payment of 15% of your credit card balance
  • Cover up to the lesser of your credit card balance or $30,000

 


bankruptcy    Bankruptcy

If you're self-employed and are declared bankrupt, your credit card balance will be paid off up to $30,000.

 


Claim payments

Your cover is based on your outstanding credit card account balance at the time of your claim or the average closing account balance for the previous six months, whichever amount is larger.

Any amount paid under multiple policy benefits for the same, similar or related cause, may affect your total claim entitlement.

 


Pre-existing conditions

You'll not be covered for any pre-existing illness, injury or condition you have or had before the policy starts.

 


Costs

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Premium of 79 cents for every $100 (or part thereof) of your monthly credit card account balance.
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Premium of $1.29 per $100 (or part thereof) where a joint or additional cardholder is also covered.
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If your monthly account statement balance is zero or in credit, no premium is charged.

 


Eligibility and Expiry

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As an ANZ personal credit cardholder you have guaranteed acceptance for this cover if you're aged 18 to 75 years.
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Cover is limited to death, terminal illness and critical illness for cardholders not working in paid employment or self-employment for 20 hours or more per week.
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Cover for critical illness, permanent disability, temporary disability, redundancy and bankruptcy benefits expires on your 65th birthday.
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For cardholders aged 65 and up to 99 years, cover is limited to death and terminal illness only.
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All cover ends at age 99.

 


More information

For full benefits, limits, exclusions and conditions, view the policy document ANZ Credit Card Repayment Insurance Policy Document (PDF 185kB)

 

Apply now

phone    Call 0800 833 012

Already have insurance?

phone    Call 0800 833 012 
            with any questions about 
            your existing policy

laptop    How to make a claim

IMPORTANT: The above information is a summary only of the cover and features that may be available. For full details of the terms, conditions, limits and exclusions please refer to the policy document - ANZ Credit Card Repayment Insurance Policy Document (PDF 185kB) or call 0800 883 012.

ANZ Credit Card Repayment Insurance is underwritten by Cigna Life Insurance New Zealand Limited (Cigna). No member of ANZ or its related companies guarantees Cigna, its subsidiaries or any of the products issued by it. ANZ receives a commission from Cigna on any policy arranged through ANZ.

 

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