Living Insurance

BT’s Living Insurance provides financial support if you suffer a specific medical condition such as cancer, a heart attack or a stroke.

Why BT Living Insurance

Living Insurance (also known as trauma insurance) can help alleviate the financial strain of major hospital expenses and may allow you to obtain additional or superior medical treatment.

  • Full benefit payable for a long list of diseases and injuries, with market leading up to date definitions

  • Partial benefits providing payments of up to $100,000 in the event of less serious diagnosis

  • Loyalty benefit that provides an additional 5% at claim time once the policy has been in force for more than three years

  • Future Insurability benefit to allow you to increase the cover in the future upon certain life events without being medically underwritten

Features and benefits

Change your cover as you need

You have the option to change your level of cover so your policy continues to suit your needs no matter what life stage you're at.

Guaranteed continued cover

All BT Protection Plans are guaranteed to continue for the term specified. This means that as long as you continue to pay your premiums, your cover will continue, even if your circumstances change.

Product upgrades

All new product upgrades, that don't result in an increase in premiums, are automatically applied to your existing policy so you continue to hold the most up-to-date BT protection Plans product available.

Extensive coverage

With Living Insurance you are covered for a range of specified medical conditions including cancer, a heart condition or the loss of use of a limb. We also offer a Living Benefit Plus option which provides even more comprehensive cover.

Claiming made easier

A dedicated claims manager to make the claims experience as easy as possible.

Speak to a life insurance specialist regarding your existing Living Insurance policy

A target market determination has been made for Protection Plans products. Please visit for any of our target market determinations.

The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728, except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 as Trustee of Retirement Wrap ABN 39 827 542 991. They are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, who does not guarantee the insurance. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Please read the Product Disclosure Statement to see if this insurance is right for you.

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714