Family

Join Mercer Protect

Mercer’s insurance policies are a cost-effective way to protect you and your family should something happen that impacts your ability to earn an income.

APPLY ONLINE

Mercer LifeProtect

With life cover covering up to $1,000,000, the mortgage, bills, loans and other debts could be taken care off so that your family don’t have to worry, after you're gone.

 

Mercer BillProtect

Mercer BillProtect is a simple and affordable way to ensure you can keep paying the bills if your income stops suddenly due to redundancy, illness, injury or bankruptcy.

What you're going to need:


•    Your full legal name
•    Your residential address
•    An email address


Make sure you've read and understood the policy wording, FAQs and the important information below before you apply online.

•    LifeProtect policy wording
•    BillProtect policy wording
•    FAQs

WHAT YOU NEED TO KNOW


Applying for a LifeProtect policy

  • Mercer LifeProtect is available if you are between the ages of 18 and 70
  • Full disclosure is necessary when answering the health and lifestyle questions. Failing to declare a condition could result in a claim being decline
  • If you meet our underwriting criteria, you may be able to add Critical Illness benefit to your policy
  • Payments can be made early for terminal illness
  • If policy is cancelled within 30 days, any premium payments will be refunded in full

Before applying we recommend you read the LifeProtect Policy wording for full terms and conditions. Cigna's underwriting terms and conditions apply.

Applying for a BillProtect policy

  • To be eligible for BillProtect you must be between the ages of 18 and 60, employed or self-employed and working in full time employment for at least 25 hours a week.
  • If you are made redundant, confirmation of your redundancy from your previous employer will be required.
  • If you are unable to work there's a 30 day waiting period until you receive your first payment, and they'll be made for up to six months after that.
  • Injuries are covered straight away but stand down periods apply.
  • You are not covered:
    • For pre-existing medical conditions
    • For any illness which first occurs during the first three months of the policy start date
    • If you are declared bankrupt within the first six months of the policy start date
  • If you are made redundant in the first three months of the policy start date.
  • After you turn 65, the policy will end on the policy-start anniversary date.
  • You can cancel within 30 days of purchasing Mercer BillProtect and we’ll refund any premium payments in full.

Before applying we recommend you read the BillProtect Policy wording for full terms and conditions. Cigna's underwriting terms and conditions apply.

WHAT NEXT?


Once we've processed your application to join we'll contact you with all the information you need about your Mercer Protect policy.

Making a claim

To make an insurance claim contact our helpline team on 0508 637 237 (or +61 3 8687 1886 if you’re calling from overseas), or you can email claims.nz@cigna.com

The team will guide you through the claims process, beginning with giving you clear information on your policy and sending out any required forms for your claim.

phone
Toll free: 0508 MERCER (0508 637 237)
From overseas: +61 3 8687 1886
9.00am - 7.00pm

Monday - Friday (NZST/NZDT)


Write to us:

Mercer NZ, PO Box 1849
Wellington, New Zealand 6140


Auckland

151 Queen Street
Auckland, New Zealand 1143
+64 (9) 928 3200

Get directions


Wellington