What products and cover are you looking for?

Quick Quote allows you to choose the product(s) you would like and the monthly premiums payable.

First, choose the product(s) that are of interest to you, answer a few basic questions and then calculate your monthly premium.

  
  
  
  
  
  
  
  
  
  
  
  
? Non-smoker
A non smoker is defined as not having smoked any substance within the last 12 months.
? Non-smoker
A non smoker is defined as not having smoked any substance within the last 12 months.
? Occupation
Type your occupation in search area provided. Depending on your product selections, if your occupation cannot be found in the search list, a tick box may appear to allow you to enter your occupation.
? Occupation
Type your occupation in search area provided. Depending on your product selections, if your occupation cannot be found in the search list, a tick box may appear to allow you to enter your occupation.
HBF Ezicover Term
HBF Ezicover Select Term
HBF Ezicover Trauma
HBF Ezicover Funeral Plan
HBF Ezicover Income Plan
? Waiting Period
The Waiting Period is the period that you must wait before being eligible for Income Benefit payments after suffering a Sickness or Injury and being unable to earn your Pre-Disability Income from personal exertion. The Waiting Period is 30 days or 90 days, depending on which of these you chose at application. You can return to full earning capacity for up to five consecutive days during the Waiting Period without the Waiting Period starting again. The days worked are added to the Waiting Period.

You should notify Zurich in writing within 30 days of the Sickness or Injury. If you notify Zurich after 30 days, the Waiting Period will commence from the date that you notify Zurich.
? Waiting Period
The Waiting Period is the period that you must wait before being eligible for Income Benefit payments after suffering a Sickness or Injury and being unable to earn your Pre-Disability Income from personal exertion. The Waiting Period is 30 days or 90 days, depending on which of these you chose at application. You can return to full earning capacity for up to five consecutive days during the Waiting Period without the Waiting Period starting again. The days worked are added to the Waiting Period.

You should notify Zurich in writing within 30 days of the Sickness or Injury. If you notify Zurich after 30 days, the Waiting Period will commence from the date that you notify Zurich.
? Benefit Period
The Benefit Period is the maximum length of time that we will pay an Income Benefit to you for disability from the same or related cause. Benefits are payable for 2 years or 5 years, depending on which of these you chose at application. The Benefit Periods for Injury and Sickness are the same.
? Benefit Period
The Benefit Period is the maximum length of time that we will pay an Income Benefit to you for disability from the same or related cause. Benefits are payable for 2 years or 5 years, depending on which of these you chose at application. The Benefit Periods for Injury and Sickness are the same.
HBF Ezicover Needlestick Plus