Default cover

People's insurance needs often change over the course of their working life. Before 30, for instance, you might not have a lot of debt or anyone who relies on you financially, but you may not have a lot of super to help if you suddenly stopped working.

Meanwhile, those over 30 are more likely to start thinking about dependants, or making bigger financial commitments.

For this reason, if you are under 30 you receive a default cover amount of 1 unit of Death cover, and 4 units of TPD cover. At age 30, death cover increases to 4 units, to match TPD cover. If you are 30 or over, you will receive a Default Cover amount of 4 units of Death & TPD cover.

You can increase this cover up to the lesser of 10 x salary or $1.55 milion, or add Income Protection cover without health evidence, if you do so within 60 days of the date on your Welcome Letter.

For more information on default cover, read our Member Guide Product Disclosure Statement in the Forms & Publications page of our website, or call the CareSuperLine on 1300 360 149.