Additional insurance options

BT offers other insurance solutions for your specific needs.

Needlestick Benefit

If you’re a doctor or medical professional, at some stage in your career you may contract a bloodborne disease through a workplace accident. If you are employed as a professional, our needlestick benefit may be right for you.

You can be covered for up to $1,000,000 and we'll pay the sum insured if you are diagnosed with:

  • occupationally acquired HIV, or

  • occupationally acquired hepatitis B or C.

Children's Benefit

As a parent, it is unthinkable that anything bad could happen to our children. However, many young children are diagnosed with serious medical conditions each year and, tragically, some children lose their life through accidents or illness.

Although our Children's Benefit can't prevent this sort of tragedy, it can help ease the financial impact of such events. In some cases it could give your child a better chance of survival and quality of life.

BT’s Children's Benefit pays a lump sum, up to a maximum of $200,000, if your child suffers from one of a range of specific conditions.

Homemakers cover

Even though full time homemakers don't earn an income, we recognise that it would cost a substantial amount of money to pay someone else to do their job when they can't. 

That's why we introduced a Home Duties option to our Income Protection and Income Protection Plus insurance policies.

The Home Duties option provides a monthly benefit for homemakers if they become severely disabled, due to sickness or injury, and are unable to perform their normal household duties.

The maximum benefit for Home Duties is $5,000 per month for 2 years.

Documents and downloads

Contact a BT Wealth Consultant to discuss BT’s insurance options

BT Protection Plans and BT Protection Plans for Mortgage Customers are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL) as trustee of the Westpac MasterTrust ABN 81 236 903 448. WLIS and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (the Bank).  The Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply.  Read the Product Disclosure Statement to see if this insurance is right for you.

© BT Financial Group – a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714