You may not realise it, but you could have some insurance included in your super. If you're unsure about your current cover, or if you’ve experienced some significant life changes, take these two steps to make sure it’s right for you: 

1. Go to Member Online to see where you stand right now. 

2. Tailor your insurance cover to suit your lifestyle. 

Insurance things you need to know

Income protection cover 

Income protection cover supports you if an illness or injury means you can’t work for a period of time. It’s particularly valuable if you don’t have emergency savings to pay your bills, or if you’re self-employed. It’s not usually included automatically in your super, so you’ll have to apply for this cover if you decide it’s right for you. 

Learn more about Income protection cover

Total and permanent disablement (TPD) cover

TPD cover supports you if you suffer an illness or injury which permanently prevents you from working. It could help you pay for your ongoing living expenses, medical costs, and any home modifications you might need.  

When you’re deciding how much you need, consider any other relevant insurance you already have (health insurance, trauma cover, etc), savings you could draw on, or financial support from loved ones. 

Learn more about TPD cover

Death cover

Death cover pays a benefit to your loved ones if you pass away. It could be used to pay off your mortgage, cover school fees, clear debts, pay for your funeral, or provide for your family’s ongoing living costs. 

Learn more about Death cover 

Life happens! So, when should you revisit your insurance?

When you go through significant life changes like having a baby, adopting a child, getting married, divorced, or buying a home, it’s important to review your insurance to make sure it still meets your needs. Luckily, through your CareSuper membership you have access to life events cover. This means if you experience a milestone event, you can increase your cover without having to provide medical evidence. 

You can apply for life events cover through Member Online or by completing the Life event form. 

Enjoy fee-free insurance cover during parental leave 

Having a baby can be one of the best times of your life, but also one of the most expensive.  We can waive your insurance fees for up to 12 months while you’re on employer-approved parental leave. 

Find out if you’re eligible for parental leave insurance fee waiver. 

Has your occupation rating changed?

Your occupation rating impacts the cost of your insurance. Generally, the riskier your job, the more you pay for insurance for the same level of cover. If you’re in a higher risk rating than necessary, you could be paying too much.  

Log in to Member Online to check and update your occupation rating. 

How much insurance cover will you need?

Try our Insurance needs calculator to work out how much Death, TPD, and Income protection cover might be right for you. 

How much will insurance cover cost?

Check the cost of the insurance cover you have, or might be considering, with our Insurance cost calculator. 
 
If you decide to adjust your insurance, you can apply through Member Online, or by completing a Manage your cover form. Your application will be assessed and will be subject to our insurer’s approval.