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Bill Protection Insurance

  • Up to $2,000 monthly cover for bills
  • Acceptance guaranteed if you meet the eligibility criteria

Bills can really pile up when you have no income coming in – never mind the fact that you still need to put food on the table. Luckily there’s Bill Protection Insurance. It’s the easier way to look after your family and stay on top of living costs if you can’t work due to redundancy, illness, injury or bankruptcy.

Choose how much cover you need with premiums that start from $16 a month.* We can provide cover from $750 to $2,000 a month for up to six months (per claim). And you may qualify for free grocery delivery with Countdown Online Shopping for a full six months when you receive your claim payment, to help out that little bit more.^

Acceptance is guaranteed if you meet the eligibility criteria, and there are no medical questions, however pre-existing medical conditions are excluded. 

Plus you’ll get a discount of at least 10% on joint policies. And if you change your mind about your insurance within 30 days, we’ll refund you any premium payments made in full.

Applying is easy – do it here or call 0800 99 77 00 today. 

Free grocery delivery of online shopping^

Buy your groceries online from Countdown and we’ll deliver them free for six months when you receive your claim payment.

From just $16 a month

Countdown Bill Protection is affordable whether you choose a little or a lot.

Things you need to know

  • You need to be employed and working full-time (25 hours+ per week) to qualify for the temporary disability and redundancy benefits.
  • And if you are self-employed, you must be working full time (25 hours+ per week) to qualify for temporary disability and bankruptcy benefits.
  • You need to be aged 18-60 to apply.
  • Pre-existing medical conditions are excluded.
  • 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 start receiving payments, 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 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.
  • The policy ends on the policy start anniversary date following your 65th birthday.
  • Before applying we recommend you read the product policy wording for full terms and conditions.


*   This example is based on a single policy with a $750 monthly benefit costing $16 a month.

^   You must spend $150 or more in a single Countdown Online Shopping transaction to qualify
    for free delivery. Free delivery is not available in some areas – click here to see if free
    delivery is available in your area. See full free delivery terms and conditions here.


Read our

Policy Wording


Read our


Countdown Insurance
is backed by Cigna Life
Insurance New Zealand

Cigna is a leading specialist provider of insurance products and services with over 90 years of insurance experience.