ING Australia (ING) has made over 60 enhancements to its OneCare life insurance product after feedback from financial advisers.
The improvements cover a range of features, service, technologies and underwriting, and will apply to new and existing customers at no extra cost.
However, options that may cost extra have also been added.
One key enhancement is broader income protection cover for mining, oil and gas-related occupations.
"More than 70 new eligible occupations in these industries can now receive income protection," ING head of marketing and retail product Gerard Kerr said.
"These occupations include quarry workers and driller operators."
Another improvement is better income protection for business owners.
Business owners who become disabled but can still manage to work up to 10 hours a week still receive the full benefit.
"[This] allows policy holders the flexibility to keep their finger on the pulse of their businesses while on claim," Kerr said.
Cover for blood borne disease has been improved with a new extended needle stick benefit. Combined with trauma cover, the maximum sum insured has also been increased to $3 million for occupational acquired HIV.
Other improvements include removal of expiry interim cover and earlier commencement of the 12 month waiting period for cover buyback.
Navigation for online applications via OneCare express is also faster.
"Importantly, these upgrades and enhancements have come from adviser feedback," Kerr said.
ING is the wealth management business of banking group ANZ.
