Members

‘spouse’ up your super – Spouse accounts

Share the benefits of Health Super’s low fees, healthy returns and super experience with your spouse through a Health Super Spouse account.

why open a Spouse account?

You can gain a lot through your relationship with Health Super, so why not share the benefits with your spouse?

peace of mind that you’re dealing with a fund with a solid track record over 40 years
solid long-term investment performance
your spouse can access all of the discounts and special offers from the Member Privileges program
low fees
your spouse may choose to invest their super in one of 9 investment options available through Health Super

tax and other Government benefits of opening a Spouse account

making spouse contributions may be tax-effective for you. If your spouse is a low income earner, you may be entitled to claim a tax rebate¹
your spouse may qualify for the Government Co-Contributions on their after-tax contributions

¹Contributions can be made to a Health Super account for your spouse if he/she is under age 65 years. The maximum rebate for a financial year is $540, based on 18% of maximum rebatable contributions of $3000. For further information refer to the ATO website at www.ato.gov.au or phone the ATO directly on 13 10 20 or speak to your financial adviser.

the details

there is an initial minimum contribution of $200 by cheque
you can contribute as much as you like to your Health Super Spouse account (subject to contribution caps)
your spouse has the option to purchase Death only or Death and TPD and Income Protection insurance cover through Health Super
the normal Health Super fees and costs apply to your Spouse account

who is eligible to open a Spouse account?

Your spouse is eligible to join Health Super as a spouse member if:

You are a member of Health Super when the Health Super Spouse account
you are both Australian residents for taxation purposes
your spouse is aged under 70 years of age
your spouse is a person of the opposite sex who is your husband or wife, or, although not legally married to you, lives in a genuine domestic relationship as husband or wife. A person who lives separately and apart from you on a permanent basis is not eligible to become a Health super spouse member, nor are same sex couples
You and your spouse complete a Spouse account application form; and
You and your spouse both provide Health Super with your Tax File Numbers.

how to open a Spouse account

Opening a Health Super Spouse account is easy. Simply follow these simple steps:

You and your spouse should carefully read the Product Disclosure Statement before you make your decision.
When you open a Spouse account, your spouse will have a number of important choices to make about their super.
You and your spouse both need to complete the Spouse account application form located at the back of the Product Disclosure Statement. On this form, your spouse must provide their personal details and supporting proof of identification.
You need to make an initial minimum spouse contribution of at least $200 by cheque.
If your spouse wishes to apply for optional Death Only or Death and TPD cover, and Income Protection insurance, your spouse should complete the Insurance application & change form and Confidential Personal Statement (located at the back of the Product Disclosure Statement).