Default cover

The easiest way to check your cover is in Member Online or the CareSuper app.

Find out how to get online.

Otherwise you can call us on 1800 005 166.

Find out how to change, cancel or increase your cover. ²

^{Change your cover}

You can cancel your cover through Member Online, in the CareSuper app, or by completing and submitting the relevant form.

Cover can also be cancelled by calling us on 1800 005 166.

If you decide that you want insurance cover later, you'll need to apply and may need to provide health details. Your application will be subject to acceptance by the insurer. If you cancel or opt out of Default cover, you won’t be eligible for Default cover again. 

We’re required to automatically provide default insurance so employers can use CareSuper as their default super fund. 

Employers use default super funds to pay super contributions into for employees who don’t choose their own fund or have an existing super fund. 

Learn more about employer obligations. 

To be eligible for Default cover, you must meet all of the following conditions:

• you’re a member of CareSuper
• you haven’t previously asked us to cancel or opt out of your cover in your account
• you haven’t been diagnosed with a terminal illness that’s likely to result in your death within 24 months
• you haven’t previously received or been eligible for a terminal illness or TPD benefit from any insurer or super fund

Extra conditions apply depending on the type of Default cover you’re eligible to receive. For more information, read the relevant insurance guide.

Default Death and TPD cover will start automatically when you meet eligibility all the eligibility conditions: 

• Category D cover: on the date we receive an SG contribution from a Category D employer. Find out more about Category D eligibility criteria in our Insurance guide (Category D).
• All other categories: after you’re aged 25 or over, have an account balance of $6,000 or more, and you meet our SG contribution requirements. Find out more about the eligibility requirements for Categories A, B and C in our Insurance guide.

Default Income protection is only available in Category B. Default Income protection will start automatically 90 days after you’ve met all of the following conditions:

• you don’t currently hold Income protection cover with CareSuper
• you’re aged 25 or over (and under 60 years of age)
• you have an account balance of at least $6,000  
• we’ve received at least $650 of SG contributions from any employer over a 90-day period ending on or after meeting the age and account balance requirements, and
• at least one of the SG contributions in the 90-day period must have been received from an eligible Category B employer.

Default Income protection cover won’t commence until the end of the 90-day period that starts on the date the first SG contribution relating to the $650 is received, even if you receive $650 of SG contributions before the 90-day period ends. 

Want your Default cover to start earlier?

You may be able to start your Default cover earlier by choosing to opt in to Default cover in Member Online or the CareSuper app (conditions apply). 

There are costs associated with insurance. The amount you pay depends on the type and amount of cover you hold, your age, your employer paying SG contributions to CareSuper, and your occupation rating.

You can use our Insurance calculator to work out how much your cover will cost.³

Your occupation rating impacts the cost of your insurance – physically demanding or higher-risk jobs generally cost more than office-based roles for the same level of cover. If you’re in a higher risk category than necessary, you could be paying more than you need to.

Unless you opt out or cancel your Default cover, the cost will be deducted from your CareSuper account.