You can now apply online to increase your Death, Total & Permanent Disablement (TPD) or Income Protection cover or change the type of cover at any time with LIFEapp.

AIA Australia’s LIFEapp helps you understand how much insurance you may need using the insurance needs calculator, find out the cost of your requested cover through the quote tool and apply online to increase your cover.

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Any increase is subject to acceptance by the Insurer (AIA Australia) and may be subject to exclusions/loadings. You can also download the paper based forms available in our Insurance Guide and apply:

• to cancel or reduce your insurance cover
• for automatic increases in your death and TPD cover for certain life events
• for an 'Own Occupation' TPD definition, if you’re a professional, white-collar worker, light-blue collar or blue-collar worker
• to convert your unitised Death and TPD cover to fixed Death and TPD cover and vice versa
• for a 30-day or 60-day waiting period for your Income Protection cover
• for a five year or to age 65 benefit period for your Income Protection cover.

1. Cancel or reduce your insurance cover

You can choose to opt out of some or all of your insurance cover at any time, subject to certain conditions. 

2. Life events cover

If you’re eligible for Death and TPD insurance cover, you have the option to apply for additional insurance cover linked to significant life events. The amount of additional cover is subject to limits according to the nature of the life event as well as all required information being provided within 60 days of the life event.

3. Own occupation TPD cover

If you’re a professional, white-collar worker, light-blue collar or blue-collar worker, you can apply for TPD cover based on an 'Own Occupation' definition.  This means that any claim for TPD will be assessed with regard to your capacity to resume work in your own occupation (not any occupation for which you might be qualified).

4. Changing between fixed and unitised cover

You can switch between unitised and fixed cover at any time. Combinations of unitised and fixed cover are not available. If you already have unitised cover and would like to switch to fixed cover, you will be allocated a sufficient amount of fixed cover, rounded up to the next $1,000 to replace the number of units you hold.

5. Change income protection waiting period

When you join us, via a registered employer, any default Income Protection cover is subject to a 90-day waiting period. You can however, apply for a 30-day or 60-day waiting period. If you’re eligible to receive Income Protection cover, the waiting period determines when you will start receiving your benefit.

A shorter waiting period is only available if you provide satisfactory evidence to the Insurer and higher premiums will apply.

Combining your Health Super accounts

If you have two Health Super accounts as a result of recommencing employment with a registered employer, you may be paying insurance premiums from both accounts. However, the Insurer will pay only one benefit on Death, TPD or Total/Partial Disability.

If you think this applies to you, please refer to the Merge my multiple accounts form or contact us on 1800 331 719 to merge your accounts.

What happens if you take leave without pay or maternity/paternity leave?

If you have approved leave without pay or maternity/paternity leave, your insurance cover (if any) will continue for up to 24 months (from the time your leave commences) subject to:

• a written agreement from your employer granting you leave
• a firm return to work date agreed with your employer
• you not travelling to or residing in a war zone.

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.