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Insurance through your super

Insurance cover through your super could protect you and your loved ones if something unexpected happens to you. So it’s important you understand what insurance cover you have, and whether you need to change your level of cover to suit your needs.

The good thing about having insurance cover through a super fund like us is that it's generally cheaper than taking out your own insurance policy. We keep premiums as low as possible by bulk-buying from our insurance partner—keeping money with your super where it belongs.

We've got you covered, whatever comes your way



We bulk-buy insurance cover, which helps keep your premium costs down.




When things in your life change, you can modify your insurance cover to suit.



Premiums are deducted from your super account, with no need to pay separately.

Understanding insurance in your super
We’ve made the complex more simple by explaining the basics of our insurance, so you can make the right choices.
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    Read the transcript  

    The information contained in this video is of a general nature only and contains general advice. It’s been prepared without taking into account your individual objective, financial situation or needs. Before making any decision about your super you should consider your personal circumstances, the relevant product disclosure statement for your membership category and whether to consult a qualified financial adviser.

    You can access a copy of the product disclosure statement relevant to your membership category by visiting unisuper.com.au/pds.

    This video has been produced by UniSuper Management Ltd. ABN 91 006 961 799. AFSL No. 235907 on behalf of UniSuper Limited, ABN 54 006 027 121 AFSL No. 492806, the Trustee of UniSuper, ABN 91 385 943 850.

    We pretty much insure everything these days, like our home, our car, and even our pets. But what if something happens to you?

    It’s really important to protect you and your family, and understand what insurance cover you may already have through your super.

    At UniSuper, we offer three main types of insurance cover.

    Death cover provides your family with a lump sum payment just in case...well, just in case.

    Disablement benefits, or Total and Permanent Disablement cover, provide you with an income benefit or lump sum payment if you're permanently unable to work.

    And income protection, or temporary incapacity benefits, provides you with a regular income if you're unable to work temporarily.

    If you’re an accumulation member, you probably already have default death and disablement covers.

    If you’re a Defined Benefit Division or DBD member, you have access to a type of cover known as inbuilt benefits.

    The good thing about having insurance cover through a super fund like UniSuper is that it's generally cheaper than taking out your own insurance policy.

    That’s because we insure a lot of people at once, so get competitive pricing from our group policy.

    And remember that as your lifestyle changes over time, so do your insurance needs: You might have a new job, a new home, a new little one, or even an empty nest.

    All of these big moments are good reminders to check that your cover is still right for you.

    Take a few minutes to check out our free online Insurance needs calculator, which gives you an estimate of the amount of cover you may need.

    A UniSuper financial adviser can also help you make an informed decision.

    You can check what insurance cover you may already have through MemberOnline — the secure section of our website.

    Or to find out more about insurance cover and understand your options, give us a call on 1800 331 685, or visit unisuper.com.au/insurance.

    Making sure you have the right levels of insurance cover in place gives you and your family the peace of mind knowing you’re protected —whatever comes your way.


Change your insurance cover
Consider if a new baby, recent marriage, changes in personal health or wealth means you need more, or less, cover. 
Keep your insurance

Your insurance may be cancelled if you're not receiving regular contributions into your account. You'll need to notify us if you'd like to keep your insurance cover. 

Make a claim
Find out how to make an insurance claim. We're here to help with every step of your claim process and we're committed to assessing your claim quickly and efficiently.
Occupation ratings for Personal Accounts
When you apply for insurance, or modify your insurance, we may ask you to select your occupation rating.
We have you covered

Insurance cover through UniSuper is provided by TAL, one of Australia's largest life insurers. Together, we want you know that receiving an approved COVID-19 vaccination won't affect your ability to apply for cover or make a claim – now or in the future.

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