Health Super is the industry fund for the people who care, operating in the best interests of our members within the Health and Community Services sector. We don’t pay any profits to shareholders.

We’re also a Platinum and AAA Rated fund. The Platinum rating is the highest possible recognition from SuperRatings, awarded only to the best value for money funds, while the AAA rating is the highest possible rating from Selecting Super. Here are some other reasons why Health Super is the super fund for you:

Workplace visits

Health Super's experienced account managers are available to visit your workplace. They can assist with all your general super questions in relaxed, one-on-one meetings or in group sessions. Contact us to arrange a visit.

Seminars

We regularly conduct seminars to educate you about strategies to build up your super and keep up to date with changes in the industry. To find out about our upcoming seminars or to register your interest, visit seminars for more information.

Investment Choice

If you don’t make an investment choice, your super is automatically invested according to our Lifecycle strategy. If you’re interested in making your own investment choice, there are nine investment options to choose from.

Low fees

At Health Super we aim to keep our fees low. You won’t pay any establishment or contribution fees, or withdrawal/termination fees.

Type of fee or cost	Amount¹	How and when paid
Fees when your money moves in or out of the Fund
Establishment Fee Fee to open an account.	Nil	N/A
Contribution Fee The fee on each amount contributed to your account – either by you or your employer.	Nil	N/A
Withdrawal Fee The fee on each amount you take out of your account.	Nil	N/A
Termination Fee The fee to close your account.	Nil	N/A
Management costs The fees and costs for managing your investment.	Account-keeping fee $91.00 p.a.	The Account-keeping fee is calculated pro-rata and deducted from your account annually in advance on 1 July or the date you joined Health Super.
	Asset fee² Up to 0.10% p.a.	The Asset fee (if applicable) is deducted from our assets before the calculation of investment returns.
Estimated investment managers’ fees
The investment managers' fee for each individual investment option is in the Member Guide	Estimated investment managers' fees 0.15 - 1.05% pa	The investment managers’ fees are deducted from Fund assets before the monthly calculation of investment returns (and interim returns) for each of the investment options.
Service fees
Investment switching fee The fee for changing investment options.	Nil	N/A

1. All figures disclosed are inclusive of GST and the estimated impact of reduced input tax credits (where known)

2.The Trustee may charge an Asset fee of up to 0.10% p.a., which is deducted from the Fund's assets before the calculation of returns for each investment option. The Asset Fee is not always applied; however the Trustee charged an Asset fee of 0.10% in the 2006/07, 2007/08 and 2008/09 financial years and allocated the proceeds to the ARA to meet expenses in accordance with our ARA policy. For more information about the Administration Reserve Account, please refer to the current Member Guide.

Example of annual fees and costs

This table gives an example of how the fees and costs in our Medium-Term Growth investment option can affect your super investment over a year. Use this table to compare this product with other super products.

Medium-Term Growth option¹	Balance of $50,000 with total contributions of $5,000 during year
Contribution fees	Nil	For every $5,000 you put in, you will be charged $0.
Plus Management costs	0.79% + $91 p.a.	And for every $50,000 you have in the fund, you will be charged an estimated $395 each year plus $91 regardless of your balance.
Equals Cost of fund		If you put in $5,000 during a year and your balance was $50,000, then for that year you will be charged estimated fees of: $486.

Additional fees may apply: Establishment Fee/Withdrawal Fee/Termination Fee – Nil

1. Under Government legislation, the Medium-Term Growth (Standard) investment option is considered equivalent to the balanced investment option for this example. Management costs are based on the experience of this investment option for the year ended 30 June 2009 (0.69% Investment management fee plus the 0.10% Asset fee), and may change.

It's important you read through our Member Guide to understand all about your Health Super accounts. This document will also further explain Health Super's fees and charges.

One-on-one consultations

If you need more general information or assistance with your super, our account managers are here to help. Contact us to speak to one of our managers.

Privilege program

With Health Super, you get more than just low-cost super. Your membership gives you access to a range of other benefits including:

discounted travel insurance
discounted health cover
financial planning services
banking products.

Regular communications

We’re committed to keeping you up to date with information about your account and super changes that could affect you. We keep in touch through annual benefit statements, half yearly snapshots, regular updates to our website, and our Talking Super magazine.

Contacting us

Do you have more questions? We’re here to answer them. We're ready to take your phone call and guide you through any general issues you may have. Call us on 1800 331 719.

Other ways to get in touch:

Email
enquire@healthsuper.com.au

Fax
(03) 9614 8048

Mail
Locked Bag 2900, Collins Street West VIC 8007

Member services