Protect your most valuable asset - your income

Why is income protection important?

Have you ever considered how you'd get by without your income? Income protection is designed to help you get back on your feet if you are unable to work due to an accident1 or sickness1. Be covered for up to 70% of your Pre-Disability Income up to $10,000 per month.3

If something happens to you then you’ll receive a monthly benefit to help with any expenses, including:

  • Make mortgage or rent payments
  • Continue to make your repayments on your car
  • Cover your debts and expenses while you're out of work
  • Take care of your bills while you focus on getting better

Features & benefits  

  • Cover up to 70% of your monthly income

    Get a monthly benefit of up to 70% of your Pre-Disability Income up to $10,000 per month2 if you’re unable to work due to an accident1 or sickness1


  • Choice of disability benefit payout period

    You choose between 6 months, 1 and 2 year benefit periods for Income Protection provided by AIA Australia.

  • Quick and easy to apply online

    Get a quote and apply online in a few simple steps. Get a decision straight away – no medical assessment or blood tests required. 

  • Easily see your policy details

    Easily access your policy details in NetBank and the CommBank app. 


  • Tax deductible

    Your income protection premium may be tax deductible, which can help make securing your financial future a more affordable option.

Take a step to a healthier you with AIA Vitality

When you purchase an Income Protection provided by AIA Australia policy and your annual premium is $750 or more you can get access to AIA Vitality, a personalised scientifically-backed health and wellbeing program that supports you every day to make healthier lifestyle choices.

It helps you understand your current state of health, provides tools to improve it and offers rewards and discounts on spa treatments, flights, gym memberships, life insurance premiums and more, to keep you motivated on your journey. 

Learn more about AIA Vitality

AIA Vitality logo

Our partnership with AIA Australia    

  • We’ve partnered with AIA Australia to actively improve the financial health and wellbeing of Australians. We believe in providing the right cover for the right circumstances and to make your life better. AIA Australia delivers innovative insurance solutions, and is committed to helping you make healthier lifestyle choices every day with rewards along the way.

How does it work?

Step 1

Log on to NetBank to get a quote with AIA Australia

This should take about 2 minutes.

Quote in NetBank

Step 2

Review quote and complete application to purchase

This should take about 10 minutes.

Step 3

Easily view some of your policy details in the CommBank app and NetBank

Things to consider

  • What you're covered for

    An Income Protection provided by AIA Australia policy may provide you with a monthly income in the event you are unable to work due to an accident1 or sickness1. Income Protection provided by AIA Australia pays a monthly benefit of up to 70% of your monthly income2, so you can focus on getting better and back to work, without having to worry about how to pay your monthly bills.

    • If an accident1 or sickness1 has left you totally disabled and you are unable to work
    • A monthly income benefit for your choice of either 6 months, 1 year or 2 years if you are totally disabled and unable to work

    For full terms, conditions, limits, definitions, exclusions and exclusion periods, please refer to the Product Disclosure Statement (PDS) and Financial Services Guide.

  • What you're not covered for

    There are some occupational exclusions which won’t cover you if death, injury or sickness is a result of carrying out the duties of certain hazardous occupations. Other exclusions include self-inflicted injury1 or sickness1, suicide, criminal activity, war/riots or pregnancy.

    For full terms, conditions, limits and information on occupational exclusions, please refer to the  Product Disclosure Statement (PDS) and Financial Services Guide.

You may be eligible for a discount

  • 5% Partner discount if a partner living in the same household holds an Income Protection provided by AIA Australia policy or a Life Insurance provided by AIA Australia policy.
  • 5% Life Insurance and Income Protection discount if you hold both an Income Protection provided by AIA Australia policy and a Life Insurance provided by AIA Australia policy.

Refer to the PDS for further information about discounts.

Who can apply?

  • Income Protection provided by AIA Australia is available to CommBank customers with NetBank, who permanently reside in Australia and are:

    • 18 to 59 
    • an Australian citizen or
    • an Australian permanent resident or
    • a New Zealand citizen

    Eligible customers must be either:

    • a permanent employee; or
    • a self-employed person (working no more than 20% of working hours from home)

    At the time of the application and be:

    • working at least 20 hours per week
    • not performing heavy manual work

    Quote in NetBank

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Need help with your cover?

  • AIA Australia’s Customer Service Team is here to help you with any questions you may have, including claims enquiries.

    Please call 1800 491 588 between 9am and 5pm Monday to Friday, AEST.

Need help understanding your protection needs?

  • A qualified financial planner can help you understand what cover is best suited to your individual circumstances and budget.

    Explore financial advice

Things you should know

  • 1 Accident, sickness and injury all have specific meanings set out in the Product Disclosure Statement (PDS).

    2 The benefit paid is the lesser of your Sum Insured and 70% of your monthly Pre-Disability Income. 

    3 For Income Protection by AIA Australia policies issued prior to 1st October 2021, customers should refer to their PDS or contact AIA Australia for the relevant terms and conditions.

    Life Insurance provided by AIA Australia (Life Insurance) and Income Protection provided by AIA Australia (Income Protection), as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate.  

    This information is current as at the date of this communication and may change. This information is general in nature and has been prepared without considering your objectives, financial situation or needs. You should, before acting on this, consider the appropriateness to your circumstances and read the relevant Product Disclosure Statement before deciding to acquire or continue to hold  any of these products. You can also call AIA Australia on 1800 491 588, 9am to 5pm, Monday to Friday (Sydney time) with any questions you may have about these products. Neither CBA nor any of its related corporations are authorised representatives or authorised representatives of AIA or our related companies. For more information on the financial services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy. If you purchase a Life Insurance and/or Income Protection policy, CBA is paid a commission which is a percentage of your premium.

    AIA Australia has adopted the Financial Services Council Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at

    AIA Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at

    AIA Vitality is provided by AIA Australia and the information on this page is provided by AIA Australia. Eligibility for membership to the AIA Vitality program arises under, and is subject to, the AIA Vitality Terms and Conditions. Access to the AIA Vitality program as a result of holding Life Insurance or Income Protection requires your annual premium on your Policy or combined annual premium on all Life Insurance and Income Protection policies to be equal to or greater than $750 per person and does not require eligible individuals to pay any additional costs, as the cost of the program has been factored into your premium, if applicable. AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see