Changing your insurance cover

You can change your insurance cover while you’re a member with us, depending on what type of insurance cover you have and what product you're in.

Default Death and TPD insurance

Default cover is Death and TPD insurance cover you receive from our insurer when you first become a UniSuper member. If you’re eligible for default cover, you can apply for an increase to the amount of Death and TPD insurance cover by up to two additional units without providing evidence of your health to our insurer.

DBD, Accumulation 1 and Accumulation 2 members can apply within 180 days of first being eligible to join.

Personal Account members can apply within 180 days of the date you first joined the fund.

Income Protection

If you're an Accumulation 1 or Personal Account member, you can apply for Income Protection cover of up to 23 units per week without providing medical evidence through the membership application form in your PDS.

Accumulation 1 members can apply within 180 days of first being eligible to join.

Personal Account members can apply within 180 days of the date you first joined the fund.

Accumulation 2 members generally receive Income Protection cover as part of transferring from the DBD. See Transitioned cover for more information.

Increasing your cover

If it’s over 180 days since you were first eligible to join UniSuper and you want to apply to increase or change your  cover, you can do this by logging in to MemberOnline, or by completing the application in the Insurance in your super booklet. You may need to give health evidence as part of your application.

Cancelling your cover

If you want to cancel your cover, you can do so any time by logging in to MemberOnline or by completing the Change your insurance cover form.

Need some advice?

UniSuper Advice helps thousands of members navigate the financial side of important life events, like figuring out the right level of cover they need, etc.

Contact UniSuper Advice on 1800 UADVICE (1800 823 842) and see how they can help you.