Insurance through super

With insurance through your super you can protect your income and prepare for the future.
With insurance through your super you can protect your income and prepare for the future.

AustralianSuper provides most members with basic insurance cover with their super account. This cover provides a basic level of protection if you die or become ill or injured.

Eligible members receive age-based Death, Total & Permanent Disablement (TPD) and Income Protection cover. Age-based cover is designed to provide a minimum amount of cover for changing needs as you get older.

To check if you have insurance cover with us, log into your account or the mobile app and select the insurance tab. You’ll also be able to see how much you’ve paid for your cover by checking your transaction history. 

For more information on the amount of cover you get, how much it costs and when it starts, click on the link to each cover type below.

Benefits of insurance cover through your super

  • We work with our insurer to negotiate discounted bulk insurance rates for members.
  • AustralianSuper is a profit-for-member fund, so members only pay what it costs us to administer and provide their insurance.
  • Your insurance costs (premiums) are deducted from your super account each month and not your take-home pay, so payments are hassle free.


How does insurance through super work?

This video will help you find out if you're eligible for insurance through super, how it works, what types of coverage are available and how to personalise your cover.

How does insurance through super work?


Want to know more?

Our Key facts sheet is a quick reference guide and gives you an overview of our insurance offer. You can use it to help you compare our insurance with other funds’ insurance and choose the cover that’s right for you.

We’ve also put together some answers to these FAQs about insurance through your super.

Do I need cover?

Having the right insurance gives you peace of mind that you’ll have an income when you need it. Most people need insurance and being able to provide a future income is your biggest asset, so just like your car or home, you should protect it. 

Not sure whether you need insurance cover? Depending on your age, the work you do, if you have a family and even what your hobbies are, there are circumstances when you might need insurance cover.

Find out more  

Important changes to insurance

On 27 May 2023, the cost of insurance cover changed. How much you’ll pay depends on the types and amount of cover you have.

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