Managing Your Insurance
Being protected is important. For Aussie Residents aged 15-64, we’ve added Automatic Insurance cover* which includes pre-approved Death and Total and Permanent Disablement (TPD) Insurance based on your age. If you want more cover, you can top up your Life Insurance cover and/or add Income Protection. If you don't think you need Automatic Insurance, you can opt out of cover at any time via your online account under the 'Insurance' tab.
In this section we’ll tell you how to manage your Insurance options. For further information about insurance, please refer to the Insurance Guide or visit the Super Explained section on this website. You can also call our Customer Care Team on 1300 652 770 between 8am and 6pm EST, weekdays.
Being protected is important, that's why with Virgin Super we offer a range of insurance benefits. Through Virgin Super, Tailored Insurance cover allows you to choose and apply for the type and level of cover you're after:
- Death only or Death and Total & Permanent Disablement Cover and/or;
- Income Protection cover
Provides a lump sum cash payment when you die or if you’re diagnosed with a terminal illness, meaning you’ll die within 12 months. We recommend if you haven’t done so already, that you inform us of your nominated beneficiaries for your super Fund.
Death and Total Permanent Disablement Cover
Provides a lump sum cash payment if you're permanently unable to work due to illness or injury. It’s important to know that you can only take up TPD with Death cover (i.e. not on a standalone basis).
If you're unable to work after a 90-day waiting period due to temporary illness or injury, Income Protection Insurance pays up to 75% of your salary, in monthly benefits.
If and when you need to make an Insurance claim, we’ll do our best to make sure the process is as easy as possible for you.
There are 3 steps to the process for you (or your personal legal representative):
- Notify us of your intent to claim as soon as possible, or no later than 30 days from the date of death or disability. If you notify us outside of this timeframe, the benefit may be reduced or refused. You’ll need to give us information on how and why the claim is required.
- Once we’ve received the notice of your potential claim, we’ll email you a claim form. You need to complete the claim form and return it to us as soon as possible, but no later than 30 days from the date of death or disability.
- Complete the claim form and provide evidence, as required by the Insurer to support your claim. Depending on the type of claim and the amount you are claiming, you’ll also need to co-operate if the Insurer requests that you undertake any additional medical assessments or vocational assessments.
For Automatic Insurance you can opt out (or opt in again) at any time via your online Super Account or by contacting our Customer Care Team on 1300 652 770.