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.
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.