Types of cover

Insurance through super will protect those who matter most

Your insurance options

An unexpected illness or accident can disrupt your life in so many ways. To ease the pressure, our group policy offers you affordable insurance cover so you can move forward with confidence and live your best life, knowing your financial future is secure.

Income protection

Income Protection cover provides you with a regular cash amount for a specified period if you can’t work due to temporary disability or illness. This is invaluable as it will help pay your living expenses during your recovery.

Total & permanent disablement cover (TPD)

For financial security in a time of uncertainty, TPD provides a lump sum payment in the event that you become seriously disabled and are unlikely to work again.

Life insurance

A sudden death or terminal illness diagnosis can place financial stress on those who depend on you. If this happens, life insurance pays a lump sum or income stream to your beneficiaries to help them with bills and other living expenses.

Which cover is right for me?

Insurance that's right for one person, isn’t necessarily suited to someone else. Basic cover may be fine for a young, single person. But for someone with a partner, children and a mortgage, it can be a different story.

To help you get to the heart of what’s important right now, we’ve sorted our range of insurance options into life stages, so you can explore the best fit for you. If you're unsure about what will work for you, our advice team is happy to tailor a solution.

Young and single - Types of Cover

Young and single

Income Protection Insurance - Don’t let life’s unexpected surprises derail your plans should you fall sick, or become injured.

Total Permanent Disability Insurance - will give you options to help you live a better quality of life if you become permanently disabled and can’t work.

Starting a family - Types of Cover

Starting a family

Life Insurance - Protect your family’s future and give them options if you are no longer around.

Total Permanent Disability Insurance - Give your family a safety net in case you are permanently disabled and can no longer work.

Income Protection Insurance - Protect everything you and your partner are working towards if you have an injury or illness and can’t work.

Buying a home - Types of Cover

Buying a home

Income Protection Insurance - Help pay your mortgage and living expenses during recovery from serious illness or injuries.

Life Insurance - Avoid leaving your loved ones in the lurch by ensuring they remain financially strong in your absence.

Total Permanent Disability Insurance - If you are permanently disabled and can’t work, you can continue to protect your family financially.

Building a career - Types of Cover

Building a career

Total Permanent Disability Insurance - Give yourself financial stability, and breathing space if you are permanently disabled and can’t work.

Income Protection Insurance - Continue receiving an income if you are unable to work due to illness or injury.

How can I check my current cover?

As a member, you may have automatically received default cover for death, total and permanent disablement or income protection with your super account. To view your existing cover, log in to Member Online and head to the Insurance tab.

Member OnlineOpens in new window

Should I update my cover?

While it’s up to you, we suggest you regularly review your insurance cover and where appropriate, make the adjustments you need if circumstances have changed. After all, you don’t want to be paying for unnecessary cover, nor do you want to find yourself underinsured.

You can use our cover calculator to determine the type and level of insurance that suits your current situation, then make any changes to cover online.

To better understand your insurance options, we encourage you to take a few minutes to read through our insurance guideOpens in new window.

Discover your cover needs

Use our interactive calculator to determine your cover needs and get a premium estimate.

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