Insurance through super

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.

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.
  • We run only to benefit members - you only pay for what it costs to provide your insurance.
  • Your insurance costs (premiums) are deducted from your super account each month and not your take-home pay, so payments are hassle free.

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

Insurance costs have changed

On 30 May 2020, the cost of insurance cover increased. How much more you pay depends on the type of cover you have.

Learn more here

New rules about insurance in super

On 1 April 2020, new rules came into effect about when insurance through super can start.

learn more here
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