Easy steps to check your insurance

Do you have enough insurance to protect what really matters? In case of an accident or illness, Income Protection, Total & Permanent Disablement and Death cover can help provide security for you and your family when you need it most.

It’s worth checking your insurance to make sure you have enough cover for things like bills, weekly expenses, school fees, your mortgage and other big ticket items.

To check your insurance cover, you can:

Use the mobile app

Log into your account

AustralianSuper offers three types of insurance

Want to find out more about the insurance you receive as an AustralianSuper member?

Here’s a rundown of your insurance and how it works:

father and son

Death cover

Death cover can provide a lump sum to your beneficiaries if you die to help ease the financial stress.

women meeting

Total & Permanent Disablement (TPD) cover

TPD cover provides a lump sum payment if you become totally and permanently disabled and can no longer work.

women smile

Income Protection

Income Protection can provide monthly payments to help you get by if you become ill or injured (at work or outside of work) and can’t work.

Make sure you have the right cover

It’s a good idea to review your insurance every 12 months, or after a big change in your life. Having the right insurance through super is easy. Here’s what you can do:

See how much cover you need

Once you know how much cover you have, use our handy insurance calculator to work out how much you might need. It can also tell you how much your insurance might cost.

Use the calculator

The benefits of insurance through AustralianSuper

An infographic that highlights the benefits of insurance through super through a series of images. The first image talks about how we work hard to negotiate discounted bulk insurance rates to keep our cover affordable. The second image talks about how we run only to benefit members, and you only pay for what it costs to provide your insurance. The third image highlights that your insurance costs (premiums) are deducted from your super account each month, not your take-home pay. The fourth image talks about how there were more claims accepted, fewer disputes and quicker processing on some products when compared to insurance purchased directly through an insurer*. The fifth image shows how over the past 10 years, we’ve processed over $3.68 billion across more than 59,700 claims† to help members and their families. And the final image highlights how we paid $470 million in claims to members and their families in 2020 – across 9,800 claims – in FY19/20†. That’s an acceptance rate of 96.5%, higher than the industry average of 94.8%.‡

Caroline’s story: Why insurance matters

Caroline’s story: Why insurance matters

Caroline is a working mum supporting herself and her son. When a long-term physical condition became unbearable, she chose surgery to avoid a hip replacement.

A long recovery meant she couldn’t work. This would have made it hard to cover bills, house payments and school fees. But Caroline’s Income Protection through AustralianSuper was there to help.

Caroline found the claim process with AustralianSuper quick and easy. Benefitting from the financial support and peace of mind, Caroline could stay focused on her rehabilitation6. Discover Caroline’s story.

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