The industry fund for the people who care
When you join Health Super via a registered employer, you may automatically receive a basic level of insurance cover if you meet the insurer’s eligibility criteria.
This means you don’t have to provide any health evidence to receive the cover. That’s just one of the benefits of having your superannuation with us.
The amount of cover that eligible members automatically receive is:
Levels of automatic insurance cover and associated costs are shown below:
| Age | Death units | TPD units | IP units | Total cost per week |
| 15 - 64 | 2 | 2 | 2* | $3.30 per week |
|---|---|---|---|---|
| 65 - 69 | 2 | 0 | 0 | $1.60 per week |
| 70+ | N/A | N/A | N/A | - |
* The cost of Income Protection cover shown in the total cost per week is based on a 90-day waiting period and a two year benefit period.
Each unit has a dollar value depending on the type of cover and, in the case of Death and TPD cover, your age next birthday. This means that the amount of any unitised insurance cover that applies to you will vary according to your age and changes each year as you get older. To see how much you could be insured for, please refer to the Insurance Guide.
You can apply for insurance cover that exceeds the automatic insurance cover, however, it will be subject to the Insurer’s underwriting requirements and approval and you will be required to provide satisfactory medical evidence before you are covered for this additional cover.
Automatic insurance cover does not apply to spouse members or any other members who are ineligible for this basic cover including those members aged 70 or over.
You may also choose to opt out of some or all insurance cover at any time. Contact us on 1800 331 719 to obtain an insurance reduction/cancellation form.
Eligibility criteria, cover limits, circumstances in which cover ceases, exclusions and loadings apply to all types of insurance cover.
For more detailed information on these criteria, limits, exclusions and other conditions please refer to the Insurance Guide.
The Health Super division, through insurance policies underwritten by AIA Australia Limited ABN 79 004 837 861 AFSL 230043 (AIA Australia), offers Health Super members life, total & permanent disability and income protection insurance cover. The Trustee reserves the right to replace the policies, to vary their terms and conditions (including the level of cover) and the amount of premiums. The Trustee will notify members of any proposed changes.