Insurance through super

Insurance in super can be an affordable and tax-effective way to protect you and yours if something hits you out of the blue. As a CareSuper member you have access to group rates with fees deducted from your super account, and our age and gender-based pricing model helps us deliver value for you.

Insurance cover available to CareSuper members  

Through our insurance provider, MetLife, we offer death cover (otherwise known as life insurance), total and permanent disablement (TPD) cover and income protection insurance. 

In line with Government legislation, when employers select a super fund for their workplace, they must choose one that provides a level of insurance cover to eligible members. Members who join through their employer receive automatic standard cover if they meet the eligibility criteria as outlined in their Insurance Guide. (You can change this if it’s not right for you.) Standard cover includes both death cover and TPD cover and you can find more info below on both cover types, as well as how to apply for cover. Our Insurance calculator can help you work out the level of standard cover you’re likely to have and how much it costs.  

Death cover
Put simply, death cover (otherwise known as life insurance) can provide financial support for your loved ones if you pass away. You can tell us who you’d like your benefit to go to by making a beneficiary nomination.
Total and permanent disablement (TPD) cover
If you’re unable to ever work again because of a permanent illness or injury, you may be eligible for a cash payment with TPD cover.
Income protection insurance
If you need to take extended time off work to recover from an injury or illness, income protection cover can help pay the bills.
Changing your insurance cover
Don’t have cover yet or want to tailor it to your needs? It’s easy to apply for cover, and you can reduce or cancel it at any time. Plus, there’s a special welcome offer for eligible new members.
Making an insurance claim
Hopefully you’ll never need to make a claim. But if you do, we’ll make the process as straightforward as possible.
How do I opt in to standard insurance cover before I am eligible?

If you’re under age 25 when you join CareSuper or if you join with a balance less than $6,000, you won’t receive standard cover until you meet those eligibility criteria. If you’d like your cover to commence as soon as you receive an on-time employer contribution, it’s easy to opt in to cover

How do I apply for insurance or make changes to my cover?

If  you’d like to apply for cover, change or cancel your cover, it’s easy to do so in the ‘Insurance’ section of MemberOnline or by completing and returning the relevant form. You can also cancel your cover over the phone. (If you’re under age 25 or have less than $6,000 in your account, see the question above.) 

Keep in mind that whenever you apply for cover, your application will need to be assessed and approved by our insurer, and medical evidence may be required. You’ll find all the details in your relevant Insurance Guide. 

How do I make an insurance claim?

To get started, call 1300 360 149 and ask to speak to our insurance team.

They’ll confirm if you’re eligible to make the claim, and then talk you through what you need to do next. This may include sending us medical evidence or other important information to help the process run smoothly.

We’ll let you know the result as soon as possible after our insurer has reviewed your application.

Learn more