What is insurance through super?

Insurance through super means you’re covered for life’s unexpected events — like illness, injury or death — with insurance fees paid directly from your super account. It’s a convenient way to stay protected without impacting your day-to-day budget. 

CareSuper offers three types of cover: 

• Death cover: Provides a lump sum benefit if you pass away or become terminally ill.¹  
• Total and Permanent Disablement (TPD) cover: Provides you with a lump sum benefit if you become totally and permanently disabled and can no longer work. 
• Income protection cover: Pays a regular income if you’re temporarily unable to work due to illness or injury. 

 ¹ You may be eligible to receive your death benefit sooner if you’re diagnosed with a terminal illness that’s likely to result in your death within 24 months. Terminal illness cover is included in your death cover at no extra cost.

 
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Why choose insurance through CareSuper? 

CareSuper’s insurance is designed to be flexible, affordable and tailored to your needs. Here’s why it works for so many members: 

• Convenience: Insurance fees are paid from your super account, so there’s no need to manage separate bills. 
• Value: As a CareSuper member, you have access to group insurance rates, which are generally cheaper than insuring yourself individually. 
• Flexibility: You can adjust your cover as life changes — increase it, reduce it, or tailor it to suit your goals. 
• Support: Access to tools like the insurance needs calculator and wellbeing services through 360Health. 
• Expert guidance: Speak with a financial planner to help you make informed decisions. 

Why it matters

Insurance through super isn’t just about ticking a box — it’s about peace of mind and real support when life takes an unexpected turn. Take one CareSuper member who called seeking early access to $10,000 from their super due to financial hardship. 

Thanks to the thoughtful questioning of Customer Service Officer James, it became clear that the member was permanently unable to work and receiving a disability support pension — and had held insurance cover at the time they stopped working.  

Instead of accessing a small portion of their super, James helped them begin the process of claiming on their insurance, potentially unlocking their full super balance. It was a solution the member never would have known was available without James’ care and attention.  

This type of outcome shows just how valuable insurance through super can be — not just in theory, but in practice. And it’s why reviewing your cover, or adding it if you haven’t already, is one of the smartest things you can do for your future. 

Tailored for every life stage

Whether you’re just starting out, raising a family, or planning for retirement, your insurance needs will change over time. That’s why we make it easy for you to review and update your cover as life evolves. 

Starting a new job or growing your family? 

If you're on parental leave, you might be eligible for a fee premium pause — helping you keep your insurance cover without the cost during a time when every dollar counts. It can also be a good chance to check your cover and make sure it’s keeping up with life’s changes. 

Thinking about retirement or simplifying your finances? 

You might want to reduce your cover to save on costs — or keep a safety net in place for peace of mind. Reviewing your insurance can help ensure it still fits your needs and lifestyle. 

How to get started 

If you’re already a CareSuper member, you can log in to Member Online to: 

• Check your current level of cover including type, amount and cost of your cover 
• Use the insurance calculator 
• Update your beneficiaries 
• Apply for or adjust your cover 
• Get advice from a financial adviser 

If you’re not currently covered, it’s easy to apply — and it could make a big difference when life throws a curveball. 

Explore your insurance options 
 



Advice is provided by one of our financial planners who are Authorised Representatives of Industry Funds Services Limited (IFS). IFS is responsible for any advice given to you by its Authorised Representatives. Industry Fund Services Limited ABN 54 007 016 195 AFSL 232514. 

CareSuper and MetLife have no involvement in the provision of the services provided by Teladoc Health and are not responsible for the nature or quality of those services. CareSuper does not recommend or endorse the above services or receive any financial benefit if you choose to use these services. Should you choose to use any of the above services, you do so at your own risk based on your own enquiries and on the terms and conditions, including as to your privacy, on which those services are provided by Teladoc Health. CareSuper respects your privacy and does not supply your personal details to Teladoc Health. The information provided is general information only and is not health or medical advice. If you have a health or medical concern, please seek professional medical advice immediately. You should always consult a licensed health care professional for the diagnosis and treatment of any medical condition and before starting or changing your health regime, including seeking advice regarding what drugs, diet, exercise routines, physical activities or procedures are appropriate for your particular condition and circumstances. 
 
360Health services are not provided by way of insurance (including health insurance) and the provision of these services is not dependent on the occurrence of an insured event under the policy. 360Health Virtual Care is a service provided by Teladoc Health. Teladoc Health is a separate and independent entity to CareSuper and MetLife, and neither CareSuper or MetLife will be responsible for the nature or quality of services provided by Teladoc Health. Access to these services will be at MetLife’s reasonable discretion and is eligible for all CareSuper members and eligible clients who have received a specific code to activate the service. MetLife reserves the right to reasonably discontinue or change the services at any time. For the Virtual Care app terms and conditions please visit http://www.360healthvirtualcare.com/. 
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Information correct as at 9 September 2025.