Automatic Cancellation of insurance
In accordance with the Protecting Your Super legislation any insurance cover you have will be cancelled if we have not received any contributions and/or rollovers to your super account for a continuous period of 16 months and you have not elected to maintain your insurance cover.
Where this occurs the cost of all insurance cover will stop being deducted from your super account balance.
The cancellation of insurance cover is aimed at reducing the erosion of super account balances by insurance premiums for unwanted cover. If you wish to elect to maintain your insurance cover, call the Customer Care team on 1300 652 770 to request the relevant form.
"At Work" and "New Events Cover" Explained
“New Events Cover” means an Insured Customer is only insured for claims arising from an illness which first becomes apparent to the Insured Customer (you), or from an injury that occurs to you 30 days on or after the date your cover commences, recommences or is reinstated under the relevant policy.
If an illness occurs after your cover starts or is reinstated but you’re are not working for 30 consecutive days you will not be covered.
"At Work" means a person who is ether
1. gainfully working; or
2. in our (the Insurer) opinion, either:
i. working at the relevant time and not on leave, actively performing all the duties and work hours of his or her usual occupation, without restriction or limitation due to any illness or injury; or
ii. where the person is on employer approved leave other than leave which is taken for reasons related to injury or illness, the person is capable of performing all the duties and work hours of his or her usual occupation, without restriction or limitation due to any illness or injury;
iii. engaged in domestic duties – he or she is, in our opinion, actively performing all the domestic duties not for financial reward or benefit, salary or profit, without restriction or limitation due to any illness or injury; or
iv. unemployed for reasons other than illness or injury – he or she is, in our opinion, capable of performing all the duties and work hours of his or her usual occupation, being the occupation they last worked, without restriction or limitation due to illness or injury; and
3. not in receipt of, or entitled to claim, income support benefits from any source, including but not limited to workers' compensation benefits, statutory motor accident benefits or disability income benefits (including government income support benefits of any kind).
Want help choosing the insurance that's right for you?
If you need help working out which insurance is right for you, our helpline advice service can help you with your decisions.
You can also check out the Product Disclosure Statement and Insurance Guide. They contain useful details like:
- Insurance options available
- What your insurance cover includes
- How to figure out costs
- When and for how long you’re covered
To find out more about the type of insurance we offer through your Super call our Customer Care team between 8am and 6pm AEST, weekdays.
Call us on 1300 652 770.
