Tailoring your insurance

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Tailor your insurance cover so it suits your exact needs

Any time after joining you can apply to:

  • Increase your cover, either by nominating more units or adding a fixed cover amount, to a maximum of $10 million for death and $3 million for TPD
  • Change your unit-based cover to fixed cover so the amount stays the same each year
  • Index your fixed insurance cover so it increases each year on 1 July by 5%
  • Take up or increase income protection (maximum benefit limits apply, see the Insurance Guide for more information)
  • Make sure you’re in the right occupational category so you receive the applicable level of cover
  • Transfer your cover from another super fund if you are under age 60.

For more information read the Insurance Guide.

Applications for increased cover are subject to assessment and acceptance by the insurer.

The insurer may apply a medical exclusion and/or loading to your cover rather than decline your application. For more information call the CareSuperLine on 1300 360 149.

Applying for insurance

If you would like to apply for tailored cover, your application will need to be assessed and approved by the insurer, and medical evidence may be required. To apply online simply log on to MemberOnline, and go to the Insurance section.

InsuranceOnline is a secure, convenient way to apply to alter your cover and also provides a calculator to assess how much you might need. To create a MemberOnline account, register online or call the CareSuperLine on 1300 360 149.

You can also complete the Insurance application form.

Need help?

A financial planner can help you work out how much cover you might need. CareSuper members have access to over-the-phone, super-related advice from qualified financial planners at no extra cost.


This website contains general advice, not taking into account your objectives, financial situation or needs. Before acting on this advice you should determine if it is appropriate for you. Before acquiring a product, first read its product disclosure statement. Some products and services offered on this website are provided by third parties. The trustee is not responsible for the products or services, views or actions of these third parties. Terms and conditions may apply which should be obtained from the third parties direct. The trustee does not accept liability if loss or damage is incurred from the acquisition of third party products or services. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725
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