You can apply to increase your Death, Total & Permanent Disablement (TPD) or Income Protection cover or change the type of cover at any time.
Any increase is subject to acceptance by the Insurer and may be subject to exclusions/loadings. You can also:
- Apply to cancel or reduce your insurance cover
- Apply for automatic increases in your death and TPD cover for certain life events
- If you’re a professional or white-collar worker, apply for an 'Own Occupation' TPD definition
- Apply to convert your unitised Death and TPD cover to fixed Death and TPD cover and vice versa
- Apply for a 30-day or 60-day waiting 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 or white-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 12 months (from the time your leave commences) subject to:
- a written agreement from your employer granting you leave without pay
- a firm return to work date agreed with your employer
- you not travelling to a war zone.
Health Super's current insurer is AIA Australia Limited (ABN 79 004 837 861 AFSL No. 230043) trading as AIA Australia (AIA or the Insurer). The insurance cover is provided under policies issued to Health Super by AIA (Policy). Insurance cover is subject to eligibility criteria and other terms and conditions in the Policy, summarised in the Member Guide (Product Disclosure Statement).
