Know how much insurance you actually need? Try our new calculator
What the calculator shows you
Get estimates for three types of cover:
- Death cover - a lump sum for your beneficiaries if you pass away. You may be eligible to receive your Death benefit if you’re diagnosed with a terminal illness that’s likely to result in your death within 24 months.
- Total and permanent disablement (TPD) cover - a lump sum if you become totally and permanently disabled and are unlikely ever to return to work as a result of an illness or injury.
- Income protection cover - regular payments if you're temporarily unable to work due to illness or injury that causes you to be totally or partially disabled.
How it works
Answer questions about your situation - your age, family, dependents, income, financial commitments, debts, and what you're trying to protect. The calculator uses this information to estimate appropriate cover levels and the cost of that cover.
The more accurate your information, the better your estimate will be.
Good to know
Your occupation and insurance
Some occupations are considered higher risk than others when it comes to insurance through super. Occupation ratings are used to group roles with similar risk profiles, which can affect insurance fees or cover eligibility. Generally the riskier your job, the more you pay for cover. Updating your occupation rating could mean you will pay less for your cover.
Learn how occupation ratings work
Two ways to use the calculator
Option 1: Work out how much cover you need
Not sure what level of cover makes sense? The calculator asks about your financial situation and suggests potentially appropriate cover amounts.
Option 2: Get straight to the cost
Already know how much cover you want? Skip ahead and get an estimate of what that specific level of cover could cost you.
Why use it
If your circumstances have changed, your insurance needs may have changed too. Paying for cover you don’t need can add cost without improving security, while the right level of cover can still provide important protection and peace of mind.
Our calculator gives you a starting point, helping you see whether you may be over-insured, under-insured, or have cover that matches your current situation. It’s simply a tool to help you make informed decisions, there are no obligations to make changes.
Ready to get started
Use our insurance calculator to estimate your cover needs and costs. It takes about 10 minutes.
Estimate your insurance needs
Once you have your estimate, you can review your current cover in Member Online to see how it compares.
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.
Information correct as at 24 April 2026.