Real Bill Cover

Customer Rating

from 12 reviews
Value for money: 83 %
Level of cover: 88 %
Customer communications: 92 %
Ease of purchase: 95 %
Read the reviews

This rating relates to all products for the life insurance category that are issued by the relevant insurer of which may or may not still be offered for sale. The ratings are consumer-driven and are not based on a representative sample.

Bill Cover from Real Insurance helps keep your bills under control by providing a monthly Income Benefit if you are temporarily disabled as the direct result of a sickness or injury. Bill Cover offers $1,000 - $3,500 monthly income benefit as well as an option to add Children's Insurance.

Other features of Bill Cover:

  • Guaranteed acceptance for Australian residents aged 18 - 59
  • Hospital cash benefit of $100 each day, for up to 10 days
    if you are hospitalized for more than 48 hours due to an accident
  • 30 day cooling off period
  • With Bill Cover, you are protected 24 hours a day, 7 days a week, worldwide.

 * Some exclusions apply.

Special Offer

All Real Bill Cover policy holders are entitled to the 'Real Reward' - after the first 12 months of your policy, Real will

(as at 26 Nov 2012)

Policy details

Minimum entry age: 18
Maximum entry age: 59
Maximum percentage of your income covered (%): 0
Maximum monthly cover amount: $3,500
No medical or blood tests required:

Apply over the phone:

Pre-existing medical condition exclusion:

Flexible waiting periods:

Flexible benefit periods:

Maximum benefit period: 2 years
Rehabilitation benefits:

Hospital cash benefit:

Fortnightly or monthly payment options:

Automatic sum insured increases:

Cooling off period (days): 30
24hr worldwide cover:

Loyalty rewards:

Can be held until: Age 75
Additional optional cover available:

Optional child cover:

Optional homemaker cover:

Optional death cover:

Optional accidental injury cover:

Optional needlestick cover:

Optional loss of income for Family Member:

Issued by: Hannover Life Re of Australasia Ltd (Hannover), ABN 37062 395 484. Distributed by Hollard Financial Services Pty Ltd (HFS) ABN 53 128 692 884; AFSL 343079.
Product Disclaimer This information is provided to assist you to understand how this product compares on the basis of certain common features of the relevant product class and does not constitute financial advice. There may be additional product features that are not disclosed in this table. You should consider the Product Disclosure Statement before making a decision to purchase this product.

Need Help Choosing? Call 1300 884 384

8am to 8pm (EST), Mon to Fri.

Our team will be happy to help.


Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is owned by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: ACE Insurance Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473 AFSL 241436), the issuer of each pet insurance product Choosi is able to arrange directly. Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance products sold through Choosi and our advisor partner are available through this website. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.


Ground Floor, 58 Norwest Blvd, Bella Vista NSW 2153

Phone: 13 55 55