OnePath Income Protection Insurance

OnePath Disgusting and greeedy! – After 20yrs of stupidly paying Income Protection through this Insurance company. with No claims...... its all about discrimination/ Ageism I have been forced to cancel my policy... WHY ? because of Greedy OnePath/Zurich Insurance smashing UP my monthly payments every couple of months... To the point i can no longer afford my Income … Read more

Protection anymore.. complete WKers Australia is a cow-boy country, when it comes to consumers rights .. These Insurance companies can get away with murder!

ANZ OnePath Insurance Payouts = TPD + Income Protection – ANZ OnePath Insurance Payouts = TPD + Income Protection * OMG pls don’t fall into their trap * They can be very nice & convincing & friendly * I was paying $250/Month * Due to a work injury I submitted a claim form * They make you drive mad & crazy * Eventually they declined my claim * I fought a lonely battle without lawyers for 6x months *… Read more

Finally they gave me 2nd chance to appeal * Praise the lord * Out of $800K they paid = $300K - $30K (tax) = $270K * I don’t know what kind of tax calculation system they got * I had to pay tax again to the ATO (double tax) * It’s very hard to fight them being sick * It’s been nearly 5x years since then * I’m still fighting for the remaining balance until present 2023 * They stopped responding to my calls & emails * It sounds like they all are dead in their offices * When the time is right Lord will definitely teach them a lesson of life * Justice will be served to the innocent people * Good Luck Guys * May the Lord be with you

One path now Zurich Waste of time I had one path income protection for 3 years before the sale and no claim paid – then I got diagnosed with crons disease and tried to claim income protection as I was unable to work with 2 young kids to support and feed and they cancelled my policy and ended my life insurance as well just terminated it they were rude and cocky about it there excuse was I didn’t tell them about a medication I was taking when I took the… Read more

insurance at anz bank New Zealand while getting a mortgage the clerk filled out the paper work while I was juggling restless kids running around in the bank chasing and trying to control my young kids long story short I needed life insurance to get my home loan approved told them this when I went to claim and they didn’t care I should have received $38,000 yet they only refunded my premiums $2000 odd and tried to make me feel like I was lucky zurich lol the name Zurich lol ( not bagging Zurich but they should pay me ) bought it of anz for 2.8 billion they ruined me broke down my family I’m still struggling from one path the losers and hopefully one day the stupid idiots get there karma back was going to contact Zurich but doubt that would do anything I can’t get life insurance now through any company which is the worst feeling knowing my kids won’t have a leg up I would advise u to study your current policy like a scientist thanks guys

Great – I was unable to work due to illness and surgery. Desite a fair bit of paperwork I was paid out quickly and efficiently. All contact with the customer care team was amazing, they all showed concern and compassion for my situation, that was unexpected from a big organisation and really made me feel cared for. I can't thank One Path enough. Amazing. Show details

successful claim – wife had wrist injury. unable to work for a month or 2. made a claim, sent medical cert. and was paid in less than a week. with all the negative comments, i'm surprised we didn't had any issues with our claim. maybe it depends on the inclusions? I havent double checked mine yet. im afraid its eating my super away. i'm not an expert, but never had… Read more

a problem with the claim though. and happy we got paid when we needed it though, as she was on unpaid leave for 2 months or so.

Fantastic service and fast claim turnaround – Surprisingly very easy, fast and no questions asked claim process. I did make sure to provide every single document they asked for, it took about 2 weeks before the funds were transferred to account post the 30 day waiting period. This was for unemployment benefit post involuntary redundancy under one path comprehensive income protection insurance.  Show details

Do what they can not to pay – In 2015 I was forced by the ANZ to take out a policy for income protection we didn’t want. Come 2018 and I have bad osteoarthritis that has stopped me working. Onepath find one doctors appointment with a sore arm and give me a right arm exclusion to my policy. Enter the ombudsman. Ombudsman one finds in my favour yet Onepath don’t except the… Read more

result. Enter my doctor who writes a letter to Onepath but they respectfully disagree with my doctor. Enter ombudsman number 2 for determination. It falls in my favour again so they have to back pay. Now once again it starts. Profit and lose even though we don’t have a business. A doctor every month even though it’s not getting any better. I wouldn’t recommend this company

Unbelievably Poor Service – Every year we have to go through the same tedious payment process. Unlike other suppliers, One Path has no payment options other than phone or cheque payment (seriously who has a $%#^$ chequing account anymore). Then to make matters worse this year, everyone is working from home so therefore their call centres are not coping. Firstly, I type in… Read more

the policy number but lo and behold the system does not recognise the number. 3 times I type it in but to no avail. Then what follows is a mysterious and troubling journey through their system. After 30 minutes of shuffling between various departments and being placed on hold, I get to a consultant, a nice enough guy but who did not in any way fill me with confidence that my request would be fulfilled. Firstly there was a strange but distinct suspicion in his voice backed up with numerous pauses and holds while he spoke with his manager. Is there something wrong with the policy I ask? At this point I mention that I am giving them money and not the other way around. Finally, I give him the credit card number which is followed by a number of other strange questions which are not normal payment questions. Then, he asks me again to confirm the address and the amount. I said surely you have it in front of you. Finally, presumably the payment goes through and he goes to end the conversation. I said but hang on... I need a receipt number. We'll post it to you within 3 days he says. Seriously!! I told him I want some sort of recognition of the payment, NOW. He could only give me a receipt of the phone call. Huh??? So the only acknowledgement I get is recognition that the call had occurred but no receipt for the large payment that had just gone through my credit card. Honestly, if it wasn't for the fact that I had called them and been transferred to every department One Path has, I would think I'd just been scammed. Like stepping back in time...This is 2021! Lift your game!!!! God knows WE pay enough for it.

OnePath to Hell – Never ever use OnePath for any Insurance products. OnePath have no intention of paying out on any insurance claims and TPD claims process is a complete joke. If you do not want your health to suffer with sleepless nights and severe anxiety and depression, just look for an alternative. Luckily plenty of better insurance companies available. Show details

Absolutely atrocious – I would not recommend this company. Impossible to speak to anyone - you constantly keep getting transferred to different people who then claim they are unable to help you. Avoid at all costs. Show details

Zero star rating - set fire to your cash instead – ....at least you get a few seconds of warmth. It's fraudulent at best and I wonder could be part of wider criminal front operation for ANZ? It's not even clear if anyone works there apart from processing incoming payments; they simply won't answer any emails at all. Once they had my CC details they just keep sucking up $$ each month for ever.… Read more

Perhaps that's why it's called OnePath? As in one direction, you ain't ever getting a cent back sucker!

So changed the CC expiry date and didn't sign authorisation letter from OnePath to keep charging me - no problem they have figured a way around this and just keep taking the money! Spoke to my CC provider, they claim cannot do anything unless I were to cancel the credit card and get one with a new number i.e. same as if your card had been stolen. Which it kind of has. Thanks ANZ, not dodgy at all. I'd be curious if they are paying any taxes related to this little operation or if everything is off-shored.

This is a quote from their fine print for example: "Although Onepath is owned by ANZ it is not a bank. ANZ does not guarantee OnePath Life or this product". Yeah we own this but have no responsibility see.

Getting out of One Path is a mind field – My husband took out a One Path policy on the recommendation of our mortgage broker. After a year we decided that the idea of having $ taken out of husband's super on an annual basis to fund the policy seemed unethical and dodgy. It has taken numerous phone calls, emails and contact with One Path Broker over 2 years to get this policy ended. Turns… Read more

out the One Path $ were placed in an ANZ account super fund and have to now apply to have this rolled over into husband's sole super fund.

Inaccurate claim processes using advice not related – The insurer uses information that works in their favour to deny claims. They work the system knowing only a very small percentage of unwell people can afford or are willing to take them to court. Show details

Not worth the paper there policy’s are written on – I tried to get a TPD payout been 14 months having my leg amputated yet it’s seems I don’t meet the requirements oneparth your a joke.  Show details

Crooks – Had this policy with this company for threeish years,had full disclosure on all my medical history,went for a health check to a doctor for them,Tried to use the policy after a few years,turned me down on the first phone call.Second call stated I had not disclosed part of my medical history.Sent back my premiums and cancelled the policy..  Show details

Premiums just go up and up – Hit by a $280 a month increase two years ago and a $200 increase this year - and thats PER MONTH! Refuse to pay $951 a month for income protection insurance so sopped around for 10 minutes and found the same level of cover for less than half.  Show details

One path Anz are contempt! – Made a claim was Ok doctors wanted to extend claim re medical conditions offered and then rejected aghh I asked if I was eligible for TPD claim was bluntly refused. List of faults about this company Medical forms are a definition of word bullying. They don’t verify user details I gave them incorrect Id and they continued. Very aggressive in… Read more

talking to you.

According to Medical people they get commissions.

They bullied me going back to work earlier than I should have failed miserably.

List of things can go on won’t coment

Do not use this company

Very contempt.

30% Increase in Premiums in One Year! – Have been a long term customer of one path. This year they decided to put up their premium by 30% due to industry pressure. Have taken my business elsewhere.  Show details

Incompetence like never seen before – Made changes to our policies a few weeks ago.(Feb18) Letter arrived in mail today saying policies have lapsed in Jan18 Called their call center - they unable to assist or help at all Off to Ombudsman now.  Show details

Basic Theft! – Strange how there policy cost jumped 7% last year but wages did not move!. AVOID one path at all costs! Wish I could charge my clients more every year without asking!  Show details

Avoid! – Just had a guy ring me and ask if I received an email regarding my super coverage, started telling him I was considering moving my super fund he just got aggressive cutting me off saying “thank you that is all” repeatedly every time I spoke and hung up on me.  Show details

Should be investigated. Criminal like reprehensible obvious tactics – I will spare the personal details, but this should suffice: Indisputable medical emergency that unfortunately has had all my doctors state that I will not work again (the discrimination in society is worse). It has been years but the insurer simply provides ostensible assurances that they are following the process to help me. In other words,… Read more

the insurer delays without reprisal. Victims (like me) are usually helpless for various reasons, so the vulnerable victims cannot afford the time, stress, and cost of legal action.

I have reported this to my local, state, and federal political representatives but nothing.

I implore everyone to report IPI/TPD insurance payouts to their political representatives. We need to make insurers accountable for their promises. The insurance advertisements instill fear, so people give up their hard earned money...without knowing of this reprehensible delay tactics. Truly, it makes you question whether you can live. But if people commit suicide, the insurers don't need to pay.

Tragic!

Make you jump through the hoops before paying out – In the past 18 months I have had to lodge 2 loss of income claims. The amount of information required from my doctors & the hospital was ridiculous, costing me over $700 before they would even consider the claim. My first claim wasn't paid out until I had returned to work.!! What was I supposed to live on for 3 months? Quick to take your money but when it comes to paying out make it as hard as possible.  Show details

RUN!!!! – This company needs to be reported to consumer affairs and a class action begun. 3 members of my family have been bittern by this company. My dad had a small life insurance policy just to help with funeral costs. He died in 2005. They would not pay up. They Claim a deceased person owes over $12,000 in back payments!!! It was a life time fixed… Read more

amount annual payment of $86!!!! It was "inherited" by them from several reputable companies over a 30 yr period. (Claim made. No payment).

Unfortunately I have the same policy fixed payment amount for life. Bought policy from a reputable company when 25. Now in these people's hands!!! Policy is now 35 years old!! Don't expect to see a payment ever!!! (No claim yet still alive)

3rd member had a $10,000 Super amount. Requested her Super when entitled. Guess what!! All gone in fees!!! Nothing left!! What happened to Superannuation protection!!! (Claim made).

One path Don't waist your money – My mother passed away and been paying life insurance for over 25 years. When I put a claim in payed only $250 Company has no care factor. Absolute joke. thanks for that now my brother who is disabled needs more help than ever for the rest of his life. Totally disgusted. one path is a one place I won't recommend. Just because my mum is over 65.… Read more

As she was caring for her disable child. He has nothing now. Hope you feel good with that one path. Terrible

Insurer that makes u feel unsecured! Worst insurer in the nz market – I have been updating them about my claim for almost a year now. I was told they will call me back but they did not. Whenever I call to follow up and look for the case officer who handles my claim, she is always on a holiday. What kind of company is this? I have been holding on to this policy for the hope of getting a payout for my claim and seems… Read more

that I won't be getting any help from this insurance company. My husband and I were both insured under this company One Path life Insurance NZ and we are calling it quits! You know, no one wants to suffer for temporary disability but this company who promised to provide great insurance to their customer really is a total disappointment. They give you unethical service amidst getting our contributions religiously on weekly basis. I was with them for about three years now and still waiting for a call back from my claim lodged from last year. I emaiked and got a reply that the claims department has received the email and will give me a call and here I am still in total awe where did it go after that? I wouldn't recomment this Insurance company! You swindle potential customers with your insurance who promises good policy cover but can't even deliver good and supportive service. One path, you left us hanging. My husband is now having doubt if you will be able to help him in worst time he will apply for claim. He pays high premium weekly and this is really alarming. This company should be removed from the market. It's scamming vulnerable clients by giving false hope. This should be taken into investigation by fairgo nz.

Super disgusted with your service.

A total and utter disgrace – I made the mistake of applying for Income Protection insurance with One Path. Their staff couldn't speak or understand a word of english. I have no medical conditions, or previous injuries or anything like that. After going through their questions, they tried to tell me that I had a previous knee injury to both knees - this was totally false.… Read more

They wanted details of a sprained ankle injury from 30 years ago, and wanted the details of my then GP - even through I was only 14 years old at the time and it was 30+ years ago. They finally approved my insurance and took the payment without hesitation. A week later they advised that my policy was being reviewed - this was after it had been approved and I had received the policy details. They then decided to slap an exclusion on my policy for my neck and back and based this exclusion on a single doctors visit for a stiff neck! They refused to speak with my doctor who wanted to confirm their was absolutely no medical problem. They then re-issued my policy with the neck and back exclusion. This prevented me from going elsewhere as I would have had to give details of the exclusion and my non existent medical condition that they insisted was with my back and neck. Do you're homework on this company, there is nothing good about them. Any company that is under investigation by ASIC for losing customers super, and has so many unhappy insurance customers - should be avoided like the plague! (google OnePath Asic investigation)

Horrible insurer will never pay out – Paid high premium disclosed everything we could health wise. When it came to the pay out, they didn't pay out a cent! They fought extremely hard to fight to the claim. Absolutely disgusted by this insurer.  Show details

It is easy to obtain income protection, but much more difficult to get a payout – As a medical practitioner, I have seen first hand examples of this company refusing to pay out on valid claims. Despite years of premiums paid in good faith, I have seen this company go to extraordinary lengths to avoid honoring its insurance commitments. My colleagues and I now actively discourage clients from proceeding with insurance with this company.  Show details

Very slow on the annual statements for your tax. They can't get it right 3 years running – I am done with these guys. Worst website ever. Can't access information on my policy. They don't send annual statement for your tax return unless you beg for it. They blame you for incorrect details even though they supposedly updated them\ when you contacted them. Thankfully I have never made a claim. But I think it is time to let my feet do the talking and find someone else.  Show details

Terrible Company. Disgrace and Try Everything to NOT PAY. WARNING DONT GO NEAR THIS COMPANY – I have been in excrushiating pain due to a diagnosis a couple of years after I started the policy. Three words from a wrongly diagnosed doctors report has put my family and I in financial ruin. I am seeking legal advice and people should be aware NEVER sign up with this company. They are a con.  Show details

The worst ever – Income protection insurance. 4 and a half months after the waiting one month period and still waiting. Expert in wasting time. Everything they asked for provided with initial claim. If the income protection is not going to pay you when is mostly needed, there is no point of having it.  Show details

Horrible, Insulting, aggressive, useless...! Stay away from them – Not only they can't provide a certificate of currency but when they do, they send you someone else's certificate with all his personal details on... Very aggressive staff, extremely unprofessional people and the last one hung up on me almost insulting me... All this after years of payments without a claim, I can only imagine how terrible it would be if you need to lodge a claim...  Show details

They just cannot get it right!! – This is really frustrating! I have been working in the financial planning industry for almost 6 years and decided to insure with OnePath with my trauma and income protection cover due to their product features and premiums. Unfortunately, their admin team is just way beyond terrible - I requested level premiums and some product features with both… Read more

of my cover which were never put in place correctly in the first place. After dealing with the customer service team on several occasions (emails and phone over 1 year), all the information was still incorrect. Every time someone promises it will be fixed and then I heard absolutely nothing. I found it really annoying and frustrating to deal with them despite I work in the industry and understand how it usually works. I am done with OnePath, I will switch to a different insurer even it means I will have to pay a bit more.

Very Sad :( – Shocking Timeframes and Claims process, three months and still waiting. Very Disappointed with the way it's all been handled. Not good at all.  Show details