Super insurance made simple

Death (including Terminal Illness) and Total & Permanent Disablement (TPD) cover

Our Automatic Insurance cover provides:

• Death cover (including Terminal Illness cover), where your dependants receive a lump sum payment upon your death or where you may receive a lump sum payment if you become Terminally ill and are likely to pass away within 24 months.
• TPD cover, provides a lump sum payment if you become permanently disabled and are unable to work again, provided you haven’t lodged (and don’t intend to lodge) a Terminal Illness claim.

For more information on insurance options and premiums, refer to our Insurance Guide{external-link}

Death (including Terminal Illness) and cover

You can choose to hold Death only Automatic Insurance by removing the TPD component from your Automatic Insurance cover. Death only cover (including Terminal Illness cover), provides a lump sum payment upon death or if you become Terminally Ill.

For more information on insurance options and premiums, refer to our Insurance Guide{external-link}.

Opt-up for additional cover

Need more cover without the mountains of paperwork? You can opt-up to increase your Automatic Insurance cover by an additional 1 or 2 units.

To opt-up, you can notify us in writing within 120 days of your Automatic Insurance cover commencing by using the Managing your Insurance Cover Form. To apply, you will need to answer some short questions about your health and lifestyle, and your application will be subject to acceptance by the insurer.

Death only cover (including Terminal Illness)

Death cover provides a lump sum payment to your dependants if you pass away. It also includes Terminal Illness cover, which may pay a lump sum to you if you're diagnosed with a terminal illness and are likely to pass away within 24 months.

Total and Permanent Disablement (TPD) 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).

For more information on insurance options and premiums, refer to our Insurance Guide{external-link}.

Income Protection (IP) cover

If you’re unable to work after a 90-day period due to temporary illness or injury, income protection insurance pays up to 75% of your salary in monthly benefits, for up to 2 years (or until you are no longer unable to work due to illness or injury).

Life Event Cover

If you’re an existing customer and hold Automatic Insurance cover or Tailored Insurance cover, you can apply to increase your cover by up to 25% to a maximum of $250,000 once in any 12 month period for any one specific life event without being underwritten. Complete and submit the Life Events Cover Application Form{external-link}.

Specific Life Events include:

• You get married
• You get divorced
• You are in an Interdependent Relationship for 2 years or more
• You or your spouse give birth to or adopt a child
• Your dependent child starts secondary school
• You take out a new mortgage, or
• You increase an existing mortgage (excluding re-draw and refinancing) by at least $100,000 on your principal place of residence
• You complete an apprenticeship

You can increase your cover to a maximum of 3 times under the Life Events cover. Please refer to the Insurance Guide{external-link} for full details and conditions.

How to make a claim

To start a claim, call our dedicated Claims team on 1300 217 430, Monday to Friday, 9am-5pm (AEDT/AEST).

You’ll then be assigned a dedicated Case Manager who will guide you through the necessary steps and documentation required for your claim.

Insurer claims philosophy

Types of claims

Each type of claim has a different process. For more details about what’s involved, the process and timeframes, please select the relevant guide and/or frequently asked questions below.

How are my insurance fees calculated?

The cost of insurance is made up of two elements:

1. A flat fee of $1.50 per month per policy (retained by the fund to cover the cost of providing insurance to customers) and
2. A monthly premium payable to the Insurer. The monthly premium is based on the type of cover, number of units and your age.

How can I get help choosing the right insurance for me?

If you need help working out which insurance is right for you, we offer Simple Super Advice from qualified financial advisers via our specialised Customer Care service to help you with your decisions, at no additional cost to you.

To find out more about the type of insurance we offer through your Super call our Customer Care team between 8am and 6pm AEST/AEDT, weekdays. Call us on 1300 652 770.

How do I manage my insurance?

How do I lodge an insurance claim?

If and when you need to make a 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):

1. Notify us of your intent to claim as soon as possible from the date of death or disability.
2. Once we’ve received the notice of your potential claim, we’ll send you a claim form within 7 days. You need to complete the claim form and return it to us as soon as possible.
3. 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 may also need to undertake any additional medical assessments or vocational assessments at the Insurer’s request.

To notify us of your intent to claim, call the Customer Care Team on 1300 652 770.

What happens to my insurance if my account is inactive?

If there are no contributions or rollovers into your account for 16 consecutive months, and you haven’t opted to keep your insurance, your cover may be cancelled.

We’ll get in touch before this happens to give you the opportunity to keep your insurance if you wish to.

What is a ‘unit’ of cover?

Things you need to know