Help through your super

If your life doesn't quite go according to plan, having insurance through AustralianSuper* can help.

Money when it matters

However much we like to think 'it won't happen to me', you never really know what's around the corner. If the worst happens, you may not be able to rely on sick pay, savings, the help of family, or workers' compensation to get by.

Insurance through your super can provide you with a safety net if the unexpected happens. At work or outside work - 24 hours a day, seven days a week. And it's paid out of your super account, not your take home pay, so it's hassle free.

I don't think I can afford insurance cover. Do I really need it?

If you're not sure, you should consider getting advice to help work out what cover you need (if any) and how much is right for you. More information is available at australiansuper.com/advice

When making a decision about whether you need cover and how much, you should think about now and the future. Below are some examples of why you might need insurance cover.

If any of this sounds like you but you're not sure how much insurance you need, our insurance calculator can help you figure this out. Plus it will tell you how much it'll cost.

Paying for your insurance cover from your super account (monthly) may mean you'll have less for retirement. But having cover can provide peace of mind for you and your family if the worst happens. That's why it's a good idea to consider if cover is right for you.

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What types of cover can I get with AustralianSuper?

Shield

Income Protection

If you’ve got a job and you get sick or hurt, at or outside of work (no-one plans a snowboarding injury), Income Protection can provide monthly payments to help you get by when you’re not earning.

TDP

Total & Permanent Disablement (TPD) cover

What if you get seriously injured and can’t ever go back to work? TPD cover can pay a lump sum to help cover costs like rehab or debt repayments.

Candle

Life Insurance

Got a family? Life insurance (Death cover) can help ease the financial stress on dependants by paying them a lump sum if something happened to you.

Under 25?

If you need insurance now, or if your situation changes before you turn 25, you can apply for cover anytime. Read the Insurance in your super guide to find out more about applying for cover and your different options. If you want to apply for cover, just log into your account and go to My insurance and select the Change my insurance button.

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* In the event of a claim your eligibility for benefits will be determined by the Insurer in line with our insurance policy terms and conditions. For terms and conditions about insurance, including current costs, how much you can apply for, what you’re covered for, when it stops, limitations and exclusions, and your insurance options, read the Insurance in your super guide for your division at australiansuper.com/InsuranceGuide

† The financial advice you receive will be provided under the Australian Financial Services Licence held by a third party and is therefore not the responsibility of AustralianSuper.

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