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Insurance through super

Insure something most valuable - you!

Benefits 

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Affordable
As a CareSuper member you have access to group insurance rates, which are generally cheaper than insuring yourself individually.
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No health checks
Members eligible for automatic Default cover don't need to provide medical evidence prior to receiving cover.
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Tax-effective payments
Payments are deducted from your super account instead of your take-home pay, which is taxed at your marginal tax rate, and could be higher than what your super is taxed at.
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Flexible
You can apply to increase1, reduce or cancel your cover at any time. It's easy to do through Member Online or by completing the relevant form.
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Parental leave waiver
You can apply for your insurance fees to be waived for up to 12 months when you take parental leave — subject to certain criteria.
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Convenient
Insurance fees are paid out of your CareSuper account rather than from your pocket so it's one less bill to worry about.

About our cover

We offer three types of insurance cover to protect you and your loved ones from life’s unexpected surprises:

 

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Death cover 

Death cover provides a lump sum benefit  if you pass away.

You may be eligible to receive your Death benefit if you’re diagnosed with a terminal illness that’s likely to result in your death within 24 months. 

Learn more about Death cover
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Total and permanent disablement (TPD) cover

Total and permanent disablement (TPD) cover provides you with a lump sum benefit if, because of an illness or injury, you’re unlikely to ever return to work.

Learn more about TPD cover
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Income protection

Income protection cover provides a monthly payment to replace part of your income if you’re unable to work due to illness or injury.

Income protection cover is not available in Category D.

 
Learn more about Income protection cover

How can you get cover with us?

You may receive insurance cover with CareSuper the following ways:

  • We automatically apply cover to your account if you meet eligibility conditions without you needing to provide detailed health information (unless you’ve opted out). This is known as ‘Default cover’. You may be able to opt in early (conditions apply).2
  • You may be eligible to apply for Tailored cover. 1
 

Check your cover

The easiest way to check your cover is in Member Online or the CareSuper app.

Find out how to get online.

Otherwise you can call us on 1800 005 166.

 

Find out more

Read the relevant insurance guide. 

 

Video explainers

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Find out about the three types of insurance available to you.

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Cancelling your insurance can have ramifications in the future – here’s why.

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Key factors to consider when choosing your level of insurance cover.

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Tailor your insurance cover so it's your perfect fit

If your cover doesn’t quite fit the bill, you can apply for more cover, reduce it, or even cancel it altogether.1

Learn more
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Your pathway to a healthier life

As a member of CareSuper, you have virtual access to professional health and medical services through MetLife 360Health. This popular member benefit is available at no extra cost to you, designed to support your overall health and wellbeing.

Visit 360Health

Disclaimers

1 Eligibility conditions apply, and applications may be subject to acceptance by our insurer and any relevant terms and conditions.
2 We automatically apply cover to your account if you meet eligibility conditions without you needing to provide detailed health information (unless you’ve opted out). This is known as ‘Default cover’. We’re required to automatically provide default insurance so employers can use CareSuper as their default super fund. Employers use default super funds to pay super contributions into for employees who don’t choose their own fund or have an existing super fund. Learn more about employer obligations. 
3 The insurance fees provided by our insurance calculator are estimates. Estimates are not available for Category D cover. Eligibility conditions apply, and applications may be subject to acceptance by our insurer and any relevant terms and conditions. Read the relevant insurance guide for more information. You can check your current cover and costs in Member Online and the CareSuper app.