Active Cover

Active is an insurance package crafted for long-term protection against the financial consequences of severe illnesses, injuries, terminal conditions, and death. Active Cover covers 169 health events, surpassing any trauma cover in Australia. It offers a greater proportion of benefits for more severe events, allowing for multiple claims over time. 


Three types of protection

One insurance plan, providing three types of protection – life, disability, and sickness. The insured can receive benefits under each category.

Widest Range

The coverage encompasses 169 health conditions, surpassing other critical illness insurances in Australia. Claims can be made in a progressive manner, from mild to severe, allowing for multiple claims.

Protected Cover for Future Claims

In the event of a 100% claim, the three-in-one insurance ensures a guaranteed minimum amount of 25% of the original insured sum to prevent future claims due to factors like disease deterioration or transfer.

Multi-tier claims

If the health issue falls outside the 169 covered categories, the insured can still make a claim through the safety net claims test.

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Who needs 3-in-1 insurance?

Individuals with real estate and loans, seniors, and dependents may have comprehensive wealth protection needs in the event of death, terminal illness, illness, or disability:

  1. Beneficiary Guarantee: Desire to leave a guaranteed benefit for children, partners, and parents.

  2. Property Protection: Seek to safeguard property, repay loans, and mitigate the risk of leverage issues.

  3. Business Continuity: Want continuous funding for effective business management and protection for the business.

  4. Cash Flow Gap and Living Expenses: Need to bridge cash flow gaps and cover essential living expenses.

  5. Medical Bills and Rehabilitation Costs: Want financial assistance for medical bills and ongoing rehabilitation costs not covered by Medicare or Private Health.

  6. Income Loss due to Illness: Desire for income support in case of inability to work due to illness.

  7. Health and Consumption Benefits: Seek health and consumption benefits as insurance members to save money.

  8. Continuous Safety Net: Want an enduring safety net with extensive coverage, a multi-layered claims plan, and the option for multiple claims.

How to customize your insurance policy?

Calculate the sum assured

What is the mortgage repayment amount? Are there other outstanding debts? How much income needs protection? What are the education costs for children? What is the necessary living expenses?

Confirm premium coverage

What is your yearly disposable income? Determine a premium that won't impact your quality of life. A general suggestion is to allocate around 5-10% of your income for insurance configuration based on your individual circumstances.

Find the balance of protection

Tailor the coverage amount to fit within your affordable premium range. The concept is to invest in long-term comprehensive protection without compromising your quality of life. Strive for a balance between coverage and premiums, putting you in control of your wealth.

Compare insurance products for free

The Speed Lending Insurance specialist team is highly trained and experienced in risk management. We have successfully assisted many individuals in making claims during crisis situations. Our approach is straightforward, helping you compare top Australian insurance brands efficiently. This empowers you to customize a preferred insurance solution that meets your protection needs—affordable and tailored to your preferences. This streamlined service saves you time and money, providing an intimate one-stop insurance and wealth management experience.

Why Choose Us

Free comparison

Our comparison service finds the balance, saving you time and effort.

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Top insurers, chosen insurance brands, and a dedicated specialist team for your support.


No hidden fees, lower premiums, more discounts, total peace of mind.

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Continuous insurance management and claims assistance, worldwide 24/7 protection.

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Our Benefits

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Insurance comparison Life TPD Trauma Income Protection Active
Receive Monthly Benefit for being unable to work due to sickness or injuries.
Receive a lump sum benefits when you are permanently disabled and unable to work to in your occupation or any occupation.
Receive a lump sum benefit when you suffer from one of the listed major health event. (eg. cancer, heart attack or stroke, etc.)
Receive Monthly Benefit for being unable to work due to sickness or injuries.
Child Cover Option Receive Benefit when a child suffers a serious illness, disability, death or terminal illness.
Premium Paid via Super (100% or Partially)
Free Health Reward Program
Multiple claims
Additional Claims Safety Net
Protected Cover for Future Claims
Premium From AU$30.00/month From AU$30.00/month From AU$30.00/month From AU$50.00/month From AU$50.00/month


If you answered Yes to the following questions, then you need it. 

  • In the event of an illness/accident/”off-the-earth” event, will it affect your future cash flow?
  • Do you have an adequate back-up plan to provide the necessary financial security?
  • Do you have responsibilities to pay off your home loan?
  • Do you want to build a wealth moat for those who depend on you (family or children)? 
  • Do you want to build a layer of leveraged protection for your property?
  • Do you want to feel more secure in your future work and life? 
  • Do you want a product with the widest coverage without worrying about which one is missing?
  • Do you want to have multiple claims options to get claims in the event of a new illness that is not covered by the policy?

Three-in-one insurance (also known as Active Cover) is currently the most unique comprehensive commercial health insurance in the Australian market. One policy, covering three types, not only includes critical illness protection clauses, but also claims for disability and life events.

In addition to the self-contained life insurance and disability insurance claims, the three-in-one insurance can claim up to 169 health conditions (the coverage far exceeds the critical illness insurance products of any insurance company on the market), and can also be paid according to the severity and corresponding proportions. Settlement of claims or multiple claims, to solve the needs of loan repayment, children’s education, income support, asset leverage protection and other protection needs.

The 169 health events include: 

  • cancer
  • Cardiovascular
  • brain and nerves
  • Digestive
  • kidney and urethra
  • lungs
  • Musculoskeletal
  • Burns
  • sensory
  • inpatient
  • AIDS
  • diabetes
  • Wait

Please refer to the Product Disclosure Statement (PDS) in the compliance document for the detailed terms of insurance, or you are welcome to click on the insurance comparison application form directly.

In general, events not covered by 3-in-1 insurance include: 

    • Suicide within 13 months
    • self-harm
    • Pre-existing conditions cause disclaimer.
    • Disease events within 90 days

Under normal circumstances, Australian three-in-one insurance is not bound for many years, and there is no mandatory cost. You can choose the premium you can pay according to your own situation, goals and needs. There are many factors that affect the premium, including: the amount insured, age, gender, premium structure, whether you smoke, whether there are existing health risks, etc. General insurance will have a “validity period”, such as “validity until the age of 99”. During the validity period, the policyholder can adjust or terminate it at any time according to the protection needs of himself and the beneficiary.

Yes. The general pension can be used to pay the life and disability premiums in the three-in-one insurance, because critical illnesses can only be purchased under the individual’s name.

Typically, these two sum assured can be customized separately to fit your pension and personal premium budget.


The underwriting officer of the insurance company will thoroughly assess the applicant’s health to determine the need for a medical examination.

For instance, when applying for critical illness insurance, if the applicant has any pre-existing health conditions like hyperlipidemia, high blood pressure, fibroids, or nodules, or if the applied critical illness insurance amount meets the underwriting medical examination criteria, the insurance company will proactively reach out to arrange a medical examination for yo

Who do I contact in the event of a claim? For insurance claim events, please promptly contact the Speed Lending Insurance team at; we will notify the insurance company based on your claim event and assist in preparing the necessary supporting documents.

Are there any additional charges for claims service? No, the claims service offered by Speed Lending to Insurance members is provided at no extra cost.

Can I contact the insurance company directly? Yes, you can. As your insurance policy is a legal contract between you and the insurance company, you have the option to directly contact the insurance company to initiate a claim.

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