Occupation ratings
Your occupation rating affects the cost of your insurance
What are occupation ratings?
Your occupation rating is used to calculate the cost of your cover and reflects the kind of work that you do.
Generally, the riskier your job, the more you pay for your cover. Physically demanding or higher-risk jobs generally cost more than office-based roles for the same level of cover.
If you’re in the wrong occupation rating category, you may be paying more than you need to.
If you have Category D cover, it’s worth noting that occupation ratings don’t apply to your cover.
Our occupation ratings
We have three occupation ratings: Active, Office and Professional.
Insurance cover with an Active occupation rating is the most expensive.
We’ll generally apply the Active occupation rating to your cover when it starts.1
You could pay less for your cover if you’re eligible for the Office or Professional rating and your application is accepted.2
How to change your occupation rating
If you’re eligible for the Office or Professional occupation rating, you can apply to update your occupation rating at any time:
- through Member Online or the CareSuper app
- by completing the Occupation rating form
Your application is subject to acceptance by our insurer. Occupation ratings don’t apply to Category D.
Find out more
- Read our Insurance guide
Video explainers
Occupation rating FAQs
How can I check my current 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.
How can I change my cover?
How can I cancel my 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.
How much could I save by changing my occupation rating?
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. Income protection costs are also impacted by your waiting period and benefit period.
You can use our Insurance calculator to work out how much your cover will cost.3
Will my occupation rating change automatically when I change jobs?
Changing employers generally won’t change your occupation rating, unless you start working for an employer whose employees are eligible to automatically receive a Professional rating, in which case we’ll process this change automatically upon receiving super guarantee contributions from that employer.
What happens if I change jobs in the future?
If you change jobs or duties and your occupation changes, it’s your responsibility to tell us so your insurance fees can be adjusted accordingly.
Once you’re accepted for the Office or Professional rating, you’ll keep this rating as long as you have cover with us, regardless of any future changes to your occupation or duties.
What happens if my cover ends?
If you no longer have cover with us and decide to reapply for cover in the future, you’ll also need to reapply to update your occupation rating.
Check the cost of cover you're considering
Disclaimers
1 Some members may automatically receive a Professional occupation rating due to arrangements with certain employers.
2 Eligibility conditions apply, and applications may be subject to acceptance by our insurer and any relevant terms and conditions.
3 The insurance fees provided by our Insurance calculator are estimates. Estimates are not available for Category D cover. Read the Insurance guide for more information. You can check your current cover and costs in Member Online and the CareSuper app.