Standard cover

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With CareSuper you can access flexible cover at competitive prices

Default cover

Employee Plan members

If you join CareSuper through your employer, you will automatically receive default death and total & permanent disablement (TPD) cover (subject to meeting eligibility conditions).

CareSuper default insurance cover

Age Death cover TPD cover
15–29 1 unit 4 units
30–64 4 units 4 units
65–69 4 units – 

The amount of default insurance you are entitled to depends on your age and occupation. Before you turn 30, you might not have a lot of debt or anyone who relies on you financially, so default cover is enough to meet your needs. Over 30 and you are more likely to have greater financial commitments and dependants, so your default cover will increase at this age.

How much cover you need depends on your individual circumstances. You should assess your insurance needs regularly and adjust your cover as required. Insurance premiums are deducted from your account. Our insurance calculator can help you find out how much your cover with CareSuper will cost.

A financial planner can help you work out how much cover you might need. CareSuper members can access financial advice on super-related topics, like insurance, over the phone at no extra charge. Read about financial planning through CareSuper here.

Information about increasing your death and TPD cover, or adding income protection, can be found here.

Personal Plan members

Personal Plan members do not receive default cover, but are still eligible to apply for great insurance through CareSuper. Information on how to apply for insurance is available here.

Corporate insurance arrangements

If you are covered under a Corporate insurance arrangement, see your Product Disclosure Statement, including your Insurance Guide, for information on your insurance.

New Member Options

It’s easy to increase your cover if you are a new member!

If you are under age 60, you can increase your cover up to 7 x your annual total income,* to a maximum of $750,000, and/or add income protection, if you do so within 90 days of the date on your Welcome letter or email, and answer a few health questions. You can apply by completing the Insurance application form or by logging in to MemberOnline and going to the Insurance section. If you are not in active employment for all of the first 30 days after insurance cover commences, limited cover may apply. Refer to the Insurance Guide for more information about the exclusions and restrictions that may apply, as well as for the definitions of active employment, limited cover and total income.

Apply for a New Member Option

New Member Options are subject to a pre-existing condition exclusion. For more information read the Member Guide PDS and Insurance Guide.

Occupational categories

There are three different occupational categories that reflect the level of risk associated with our members' different roles and occupations.

Each category has a different amount of cover per unit. The three categories are:

  • General
  • Office, and
  • Professional

For further information on occupational categories and to determine which category applies to you, refer to the Insurance Guide.

To change your occupational category, complete the Changing your occupational category form.

Insurance calculator

If you want to find out how much your insurance cover through CareSuper will cost, use the insurance calculator

* Total Income means the total salary package value of remuneration received from an employer averaged over the most recent 12 months (including overtime, commissions, bonuses & shift allowances but excluding employer SG Contributions).


This website contains general advice, not taking into account your objectives, financial situation or needs. Before acting on this advice you should determine if it is appropriate for you. Before acquiring a product, first read its product disclosure statement. Some products and services offered on this website are provided by third parties. The trustee is not responsible for the products or services, views or actions of these third parties. Terms and conditions may apply which should be obtained from the third parties direct. The trustee does not accept liability if loss or damage is incurred from the acquisition of third party products or services. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725
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