Bring your insurance cover to UniSuper
You may be able to transfer your insurance from another provider to UniSuper.
Everyone’s situation is different and it’s important to consider what’s appropriate for you and your needs.
You must be aged under 61.
You must not have previously received or currently be eligible to receive an insurance benefit or be in the process of making a claim for any illness or injury.
If transferring insurance from another fund, you must transfer the super you have with that fund to your UniSuper account once we’ve accepted your transfer application.
You must cancel your cover with your other provider once we’ve accepted your transfer application.
You’ll need to provide evidence of your existing cover.
If you’re under 25 or have under $6,000 in your super, transferring cover won’t affect your eligibility for our default cover.
Other eligibility conditions may also apply.
When your default cover starts, it will be fixed cover.
Remember, don’t cancel your cover until you’ve received confirmation that we’ve accepted your transfer.
When your cover starts
If you’ve met all the relevant conditions, your cover starts on the later of:
the date our Insurer accepts your application to transfer cover
the date you cancel your existing cover with your other super fund or provider.
You’ll also need to have enough in your account to cover your premiums when they’re due.
Types of insurance you can transfer
You can transfer the lesser of:
up to 85% of your salary
$29,900 per month (69 units).
DBD members can’t transfer Income Protection cover.
Your age, how long the benefit is payable (your benefit period) and waiting period will determine your premiums. See
Income Protection premiums and benefits for more information.
Death and Total & Permanent Disablement (TPD)
You can transfer up to $2 million of cover
The maximum cover you can have is $3 million
We’ll round up your transferred cover to the nearest $1,000.
Your transferred cover will be fixed cover (your premiums will increase over time and you’ll receive the same amount of insurance until you turn 61) and we’ll convert any existing unitised cover you already have with us to fixed cover. See
Death & TPD premiums and benefits for more information.
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