Updating your insurance cover
Insurance1 cover can be tailored to suit you. You can apply to:
- increase or decrease your cover
- increase your cover after a life event, like becoming a parent
- change your work rating
- transfer your cover from another super fund or insurer
- cancel your insurance.
Before making any changes, it’s important to read the Insurance in your super guide. It contains important information about costs, eligibility, cover amounts, when cover starts and stops, limited cover and exclusions.
Download the insurance guideMaking changes to your cover
If you're an AustralianSuper member, you can check your insurance details and current cover by logging into your account online or via the mobile app. If you’re not a member yet, find out how to join.
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Increase or decrease your cover @headerType>
Use our insurance calculator to work out how much cover you may need (if any).
How to change your cover
Apply to increase or decrease your cover by logging into your account online.
If you don’t have an online account, you’ll need to register for online access first.What to expect when applying to increase your cover
As part of your application, you’ll need to provide health information for the Insurer1 to consider. Once a decision has been made (usually within 5 business days), we’ll notify you of the outcome.
Find out more about the possible outcomes in the Insurance in your super guide.
Transfer your existing cover to AustralianSuper
Already have insurance with another fund or insurer? If you do, you may be eligible to transfer it. See the Applying for an insurance transfer fact sheet for the terms and conditions that apply.
Learn more about transferring your coverIncrease your cover after a life event or salary increase
You may be eligible to get more cover by answering just a few health questions if you’ve recently experienced certain events like:
- marriage
- divorce
- having or adopting a child
- building a home
- salary increase.
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Cancel your insurance @headerType>
It’s important to understand that you (or your beneficiaries) won’t be able to make an insurance claim if you suffer an illness or injury or you die after the cancellation. You might not be able to get cover again.
Consider getting financial advice before you cancel.
How to cancel your cover
You can cancel some or all of your cover in your account online. If you don’t have online access, register now.
Effective date of cancellation
Your cover will end on the date we receive your cancellation request. We’ll write to you to confirm the cancellation. You (or your beneficiaries) won’t be able to make an insurance claim if you suffer an illness or injury or you die after the cancellation.
How to get cover again
If you cancel your cover and want cover again in the future, you’ll need to provide detailed health and other information for the Insurer1 to consider. Depending on your circumstances, you may not be eligible for cover later.
Replacing your cover
If you’re cancelling your cover with AustralianSuper to replace it elsewhere, make sure your other cover is in place before you cancel.
Update your work rating
What is a work rating @(Model.HeaderTypeLevelDown)>
- Blue Collar
- White Collar
- Professional.
Why update your work rating @(Model.HeaderTypeLevelDown)>
Use our Work Rating tool to find out the work rating for your job.
How to update your work rating @(Model.HeaderTypeLevelDown)>
Effective date of changes @(Model.HeaderTypeLevelDown)>
We’ll confirm your new work rating and the new cost of your cover in writing.
Keep your cover (even if you don’t get paid super)
If your super account becomes inactive, your insurance cover will stop. Your super account becomes inactive when you haven't received any type of contribution or rollover into your super account for 16 continuous months.
There are two ways to keep your cover.
Disclaimers
- AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.
- Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.
- Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.