Insurance income protection only covers incapacity due to illness and injury. In some cases, some people had mistaken it to cover various other things like mild fever, simple cuts and mild burns which definitely do not prevent you from working. Keep in mind that this type of insurance is only applicable for short term incapacity or not being able to go back to work. This means that if you work and get pregnant, you will not be covered by this insurance. Income protection New Zealand generally does not cover pregnancy as it is long term incapacity.

Other cases that are not covered by income protection insurance are self inflicted injuries and illnesses. Matters like drug related illnesses and injuries that arose out of it are also not covered. Alcohol abusers who suffer from illnesses and injuries due to unhealthy and excessive use of alcohol are also not covered in the insurance. Finally, being unemployed is definitely not covered by this type of insurance policy. This insurance requires you to be working with a definite monthly income and then being incapacitated from doing the work. For more info, compare income protection insurance with others.