Your Complete Protection Framework
Six types of coverage — each playing a specific role in protecting your income, your family, and your career. We help you understand what each one does, what the market offers, and how they work together.
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Income Protection
Replaces up to 75% of your income if illness or injury stops you working. Why it matters for specialists: The ‘own occupation’ definition is critical. A general IP policy might pay only if you can’t do any work — the right policy pays if you can’t perform your specific surgical or clinical duties. This distinction can mean hundreds of thousands of dollars.
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Life Insurance
A lump-sum payment to your family if you pass away or are diagnosed with a terminal illness. Designed to eliminate debts, provide ongoing living costs, and fund your children’s education. Why it matters for specialists: Medical and dental professionals carry significant debt — student loans, practice fit-outs, property. The right coverage amount is usually much higher than most people hold.
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Total & Permanent Disablility
A lump-sum payment if a permanent illness or injury means you can never return to work in your medical specialty. Helps fund long-term care, pay all debts, and restructure your financial life. Why it matters for specialists: The ‘any occupation’ vs ‘own occupation’ TPD definition makes an enormous difference for specialists whose skills took 10–15 years to develop.
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Trauma Insurance
A lump-sum payment on diagnosis of a serious illness — cancer, heart attack, stroke, or other specified conditions. Pays regardless of whether you return to work. Why it matters for specialists: Healthcare professionals often underestimate their own risk of serious illness. Trauma cover provides immediate cash for treatment, recovery, and lifestyle adjustment when you need it most.
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3 in 1 Active Cover
A comprehensive protection package covering serious illness, injury, terminal illness, and death — with payouts across 169 medical events. Designed to safeguard your family’s financial future when life takes an unexpected turn.
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Super & SMSF
Use your superannuation or SMSF to fund Life, TPD (Any Occupation), and Income Protection insurance — keeping premiums off your personal cash flow. A tax-effective way to stay protected without impacting your day-to-day finances.
Personal Insurance Solutions
Comprehensive protection tailored to your life stage and goals. Each product is designed with you and your family's security in mind.
Life Insurance
Protect your loved ones' financial future with comprehensive life coverage.
Key Benefits:
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Income replacement for your family
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Mortgage and debt protection
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Education funding for children
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Final expense coverage
The 3E Wealth and Business Program
A holistic approach to supporting your life and wealth journey. Beyond insurance, we're your partner in financial security.
Hippo 3E Wealth Mastery
Take Control of Your Finances. Protect What Matters. Build the Life You Want.
The no-BS financial program for Aussie families who want to live smarter, not tighter. Learn how to protect, grow, and manage your wealth with confidence.
Hippo 3E Business Mastery
Run a Business That Builds Wealth — Not Just Revenue.
Practical strategies for founders, start-ups, and SME owners ready to scale and protect their empire. From business insurance to key person cover.
Hippo 3E Payroll Mastery
Master Payroll. Stay Compliant. Build Confidence.
Expert payroll training covering essential topics such as payroll laws, tax compliance, and software proficiency. Tailored programs for immediate application.
What Our Clients Say
Real stories from families who've found peace of mind through Hippo Wealth's personalized approach.