Australian Paramedics Association (Victoria)

Both Gallagher and Windsor, shown below, have made offers to support APA (VIC) members.
APA (VIC) does not provide Income Protection Insurance as part of membership, nor endorse any specific offer or company. 

The Purpose of Income Protection

Income Protection Insurance is primarily designed to protect an individual's lifestyle by providing an income on a regular basis. When your income is under threat because you are unable to work for an extended period due to illness or injury, Income Protection pays a benefit amount - normally a percentage of your pre-tax income.

While you focus on recovery, benefits received can be utilised to pay your expenses such as:

  • Mortgage or rent payments
  • Car loans or lease repayments and/or
  • Daily bills

Income Protection Insurance is an option that members must consider individually. APA (VIC) recommends seeking professional financial advice as a part of this consideration.


Gallagher, through Lyle Vinter, will tailor Income Protection Insurance and cater to the individual member. Gallagher have also provided an Income Protection Fact Sheet that can be downloaded by members; Lyle's contact details are included. 

You can also request an Authority to Collect Information form if you already have income protection insurance elsewhere, but wish to enquire how Gallagher can help you.

Windsor Income Protection

"Income Protection Scheme for our Ambulance and Paramedic Members"

Under this new scheme, your policy will be in your name, fully tax deductible and provide you with peace of mind in the event of you being injured outside work hours or are diagnosed with an illness.

This Insurance application can be accessed from clicking on their logo below, noting that the page may require you to temporarily ‘allow Pop Ups’.

Link to WIP IPI Application

Benefits Offered

  • 90% of your pre disability income up to a maximum of $2,800 pw
  • Work Cover Top Up benefits included
  • Coverage commences immediately on payment of premiums
  • Option to pay by the month (additional surcharge)

Additional Benefits

  • Accidental Death & Capital Benefits
  • $200,000 with dependents
  • $150,000 no dependents
  • Injury resulting in Fractured Bones
  • Injury Resulting in Loss or Damage to Teeth
  • Accidental HIV, Hep B & C Infection Benefit
  • Rehabilitation Benefit
  • “Union Fees” paid whilst on Claim
  • Definition of Salary to include overtime and allowances

Waiting Period

  • 14 days – Injury / Illness (21 days – COVID-19 related)
  • 28 days – Football Injuries

Rating Structure (premiums include GST and Stamp Duty)

  • 1.35% – up to 40 years of age
  • 1.85% – 41 to 70 years of age
  • 2.20% – 71 to 75 years of age

APA (VIC) gratefully acknowledges the commitment of our Partners & Services Providers

Australian Paramedics Association (VIC) Inc.
Incorporated Association Registration Number: A0054489H
Australian Business Number: 82 998 868 768

Postal Address: PO Box 457, Mornington VIC 3931
Phone: 1300 000 272 (APA)

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