Insurance
25 February, 2026

Keep your insurance cover at the level you choose

As part of the upcoming insurance changes from 1 April, some members may see changes to their insurance amounts. If you would prefer to maintain your insured amount at a specific dollar value, you may be able to switch to Fixed cover.

This option gives you greater certainty and allows you to keep the level of protection you’ve chosen - provided you meet eligibility requirements. Importantly, this is about giving you flexibility and control. 

 

What does switching to Fixed cover mean?

Fixed cover means your insurance is set at a specific dollar amount, rather than generally changing automatically over time.

Members may choose Fixed cover if they:

  • Want to maintain a consistent insured amount
  • Have ongoing financial commitments
  • Prefer certainty about their level of protection

Your personalised insurance letter, available in Member Online or the CareSuper app, shows:

  • The cover you’ll have from 1 April
  • What it will cost
  • How it compares to your current cover

This is the best place to start before making a decision.

Log in to Member Online

Is Fixed cover right for you?

Before making a change, consider:

  • Whether your current insured amount still reflects your needs or if your new insurance amount is more appropriate.  
  • Whether your financial commitments have changed
  • The cost of maintaining that level of cover

From 1 April, you can use our insurance calculators to estimate how much cover you may need, and the updated costs under the new arrangements.
Until then, our Insurance Hub includes guides and videos explaining how cover and insurance fees are calculated, to help you understand your options.

Visit insurance hub

 

How to switch to Fixed cover

If you decide Fixed cover is right for you, you can make the change:

1. Through Member Online or the CareSuper app

  • Log in and navigate to the Insurance section to review your cover.
  • Select Manage your insurance 
  • Choose Convert to fixed cover and follow the steps 

2. By completing the Manage your cover form
Download and complete the Manage your cover form and return it to us.

If you’re unsure which option suits you, our team can guide you through the process.

 

We’re here to support you

Insurance decisions are personal. While many members choose to maintain their cover, others may decide to adjust it.
If you’d like support:

  • Log in to Member Online or the app to view your personalised details
  • Visit the Insurance Hub for guidance and tools
  • Contact our team on 1800 005 166 if you’d prefer to speak with someone

Our focus is on ensuring you feel confident that your insurance is right for you.

A couple things to be aware of:

  • While your cover amount stays the same, insurance fees usually increase over time as you get older
  • Fixed TPD cover stays the same until age 61, then reduces gradually between ages 61 and 69
  • Once you switch to Fixed cover, you won’t be eligible for Default cover in the future
 

FAQs

You can convert your Default or Tailored age-based cover to Fixed cover without the need for underwriting.

If you take no action, your insurance will continue under the new arrangements from 1 April as outlined in your personalised insurance letter.

Your personalised letter in Member Online shows your updated insurance costs from 1 April. From 1 April, calculators will also reflect updated costs. If you want to see the costs if you fix your cover you can work these out using the guides found here.  

Yes. You can review and adjust your level or type of cover at any time, subject to eligibility requirements. If you are thinking about cancelling your cover you can read more about things to think about here.  

If you are currently on claim, your claim continues under the terms that applied before 1 April. Changes to your cover do not affect existing claims.
This is general information only and doesn’t take into account your objectives, financial situation or needs. Before making a decision about CareSuper, you should consider if this information is right for you. 
Consider the PDS and TMD. Issued by CareSuper Pty Ltd (Trustee) (ABN 14 008 650 628, AFSL 238718). CareSuper (Fund) (ABN 74 559 365 913). Any advice is provided by CareSuper Advice Pty Ltd (ABN 78 102 167 877, AFSL 284443).    

 Information correct as at 25 February 2026.