Your health and your loved ones are important. Having a financial plan in place in case of unexpected injuries and medical issues means you can focus on what matters most, and let the money take care of itself.

Help with your expenses

Illness and injury might make it harder to earn an income and pay your bills.

We’re here to help.

Depending on your circumstances, we might be able to provide you with loan-related assistance in order to help cover your medical costs and everyday expenses.

If you already have a loan or credit card with us and are having difficulty keeping up the payments, talk to us about repayment assistance.

To make things easier, take a look at the five steps for when things don’t go to plan and get familiar with all your avenues for financial help.

Help with your income

You could be entitled to a variety of payments from the government, your employer and your insurance.

Government payments

If you’re eligible, these government payments and support services could help:

Employer payments

In some cases, you’ll need to take time off work. It can pay to know if you’re entitled to any sick and/or carer’s leave from your employer.

Insurance ­payouts

Call your insurance provider to find out if you can make a claim.

You may also have:

  • Income protection insurance and/or Total Permanent Disability (TPD) insurance that's included in your super
  • Insurance on your credit card or loan to cover things such as illness.

Talk to your insurance, super and financial services providers to find out if (and how) you can make a claim for your illness or injury.

Early super withdrawal

If you're sick or injured, you might be able to access some of your super now, in order to help pay everyday and medical expenses. Learn more about accessing your super early.

Set up your finances for the unexpected

It's hard to predict the future. Setting up comprehensive financial plans is the best way to help ensure you’re protected, should something unexpected happen.

You could consider taking out life, or loan protection insurance for personal or home lending. That way, you’ll get help if something unexpected happens. Visit your NAB branch or call 13 29 28 to learn more.

Taking care of your mental health

Coping with illness or injury can be difficult, so it’s important you look after your mental health.

Support from loved ones

When you’re unwell or injured, not wanting to see anyone, or do anything, is very normal. But it's important to remember that talking to (and spending time with) your family and friends is essential for your mental wellbeing.

Support from your GP

You may need your doctor’s one-on-one support now, or sometime in the future. It’s comforting to know you can always talk openly and honestly about your physical and mental health with your GP.

Mental health awareness

Learn about the signs of depression and anxiety so you’re aware of symptoms you may experience when ill or injured.

Support services

Find out about counselling and support services now. You can access them any time if you’re feeling down, or having a hard time coping.

NAB Assist

We’re here for you.

You can call NAB Assist on 1800 701 599 if you need any help keeping up with your repayments, or if you’re worried about future payments.


Glossary

Income protection insurance

Financial protection you pay for now so that if you’re unable to work for the reasons agreed in your policy, you may be able to claim the agreed financial compensation from your insurance provider.

Life insurance

Financial protection you pay for now so you could be covered and your beneficiaries may be able to claim an agreed compensation payment for the unexpected life events outlined in your policy, such as death.

Mortgage protection insurance

Financial protection you pay for now so that if you’re unable to pay your mortgage for the reasons agreed in your policy, you may be able to make a claim directing your insurance provider to cover the mortgage payments for you.

Total permanent disability insurance

Financial protection you pay for now so that if you suffer from a total permanent disability, you may be able to claim the agreed financial compensation from your insurance provider, as agreed in your policy.

NAB Assist

If you’re a NAB customer, and you're struggling to keep on top of your repayments for your loan or credit cards, you can call 1800 701 599 to discuss how NAB may be able to assist. Learn more about NAB Assist.

Super

Super is a regular payment made into a super fund by an employee towards a future pension. For most people, your employer must pay an amount equal to 9.5% of your salary into your super fund account. Your super savings can be self-managed, or controlled by the superannuation fund of your choice.

No-Interest Loan Scheme

The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit.

StepUp Loans

StepUP is a low interest loan for people on low incomes who have difficulty accessing credit from a bank.

Important information

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.

After more information?Other related articles

How to plan for unexpected illness and injury

Life is unpredictable. When it comes to dealing with illness and injury, this step-by-step checklist will guide you through the process.

Recovering from an illness or injury

Dealing with an illness, accident or injury can be tough. Here's how to get the financial and emotional support you need, plus help with your day-to-day at both home and work.

Caring for a loved one who’s ill or injured

Get the information you need about important carer responsibilities, tasks for your to-do list, and how to stay composed when looking after a loved one.

After more information?Related products and services

Life insurance

Thinking about life insurance? At NAB we can protect you with cover for funeral costs, critical injuries and more.

Home loan insurance

Want to learn about home loan insurance? At NAB we'll give you peace of mind when the unexpected happens like you lost your job and much more.

Personal loan insurance

Loans are often a long-term commitment so you should protect your loan repayments. You want to be covered if something unfortunate happens like death, disability or involuntary unemployment.

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