Insurance calculator

Font size: A- A+

Why should you care about insurance?

Life is full of surprises, so you need to think about protection in case you can’t work. With CareSuper it’s easy. You can apply online for death and total & permanent disablement (TPD) insurance, as well as income protection, through your super, using our buying power to keep the cost low.

CareSuper is making some changes to insurance early next year, including to premiums. To calculate your premiums from 1 February 2017, click here. To find out more about the changes, click here

Calculate your cover now

Your details

Date of birth:  i Age cover ceases:

Death cover – 70 years
TPD cover – 65 years
Income protection cover – 65 years

Job category:  i To determine your occupational category, answer the following questions:

1) Are the duties of your occupation limited to professional, managerial, administrative, clerical, secretarial or similar ‘white collar’ tasks which do not involve manual work and are undertaken entirely within an office environment (excluding travel time from one office environment to another)?

2) Are you earning in excess of $80,000 from your profession?

3a) Do you hold a tertiary qualification, or are you a member of a professional institute or registered by a government body?


3b) Are you in a management role?

If you answered no to all of the questions, you fall into the General category.

If you answered yes to Q1 you qualify for the Office category.

If you answered yes to Q1 and Q2, and to either Q3a or Q3b, you qualify for the Professional category.

Death and TPD insurance

Default cover provided


Total & permanent disablement

Estimated weekly cost    

Did you want something different?

Death cover amount
(Enter an amount between
$10,000 - $10,000,000 and
in multiples of $1000*)

TPD cover amount
(Enter an amount between
$10,000 - $3,000,000 and
in multiples of $1000*)

Estimated weekly cost    
* Please note premiums will be calculated on cover rounded up to the nearest $1000.

Income protection cover

Enter your gross annual salary:
(between $16,000 - $423,530*)
You have indicated that you are in the Professional occupational category which means that you are earning in excess of $80,000 per year from your profession. Please amend your salary or occupational category. Refer to the CareSuper Insurance Guide for further information.

Suggested cover per month
based on 30-day waiting period until payments start and 2-year benefit payment period

Did you want something different?

Waiting period: 
Benefit payment period: 

Estimated weekly cost    
*If your annual salary exceeds $423,530 your income protection cover will be subject to maximum benefit restrictions. You can apply for income protection cover if you are aged under 65 and earning on an ongoing basis at least $16,000 p.a. or working 15 hours or more per week. For more information see the Insurance Guide.

Send quote

Enter your email address and click 'Send quote' to have this quote sent to you.

Learn more

Click here to learn more about insurance.

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
Hide full disclaimer