How occupation ratings work

Occupation ratings only apply to Personal Account members and reflect risks in your usual type of work. This means they can influence your eligibility for cover and how much it costs. If you’re a Personal Account member, we may ask you to select your occupation rating when you apply for:

  • new insurance cover
  • changes to your existing insurance cover, or
  • transfers to any existing insurance cover into UniSuper.

If you have insurance cover with your Personal Account, you can check your current occupation rating under the Insurance tab in your online account.

Our occupation ratings

Professional/office work

- Professional (requires a university qualification), administrative, managerial or clerical roles.
- No regular manual work.
-Your work doesn’t fall into the special risk classification below.

Example occupations: professor/lecturer, lawyer/solicitor, administrator, medical doctor, bookkeeper, IT systems operator, classroom teacher.

Light manual

- Regular, light manual work (lightweight lifting, carrying or stocking only).
- No regular use of heavy machinery or heavy equipment.

Example occupations: chef, electrician, field surveyor, florist, retail, nurse, physical education teacher, plumber.

Heavy manual

-Regular use of heavy machinery or heavy equipment.
-Manual labour, such as regularly bending, lifting or carrying heavy loads.
-Driving a motor vehicle for most of the day over short distances.

Example occupations: labourer, bricklayer, cleaner, short distance courier/driver, farmer, gardener/landscaper, tailor, waiter.

If your occupation falls in this classification, you can’t apply for:

-increased cover due to a life event or salary increase
-Income Protection cover with a five-year or ‘To age 65’ benefit period.

Special risk

-Duties that are hazardous (risky or dangerous).
-Hazardous locations or working environments, such as long-distance driving, working at heights, underground, at sea, underwater or in an aircraft.
-Work in industries that rapidly change or are unpredictable, such as professional sportspeople, entertainers, creative artists or media personalities.

Example occupations: crane operator, diver, miner, long distance bus/truck driver, pilot, actor, model, radio or TV presenter.

If your occupation falls in this classification, you can’t apply for:

-increased cover due to a life event or salary increase
-Income Protection cover with a five-year or ‘To age 65’ benefit period.

See occupation ratings applied

Want to see how occupation ratings influence your premium? Just include the relevant rating when using our insurance calculator.

When to update your occupation rating

If you aren’t making changes to your insurance cover, you don’t need to update your occupation rating. You may need to update your occupation rating when you apply for cover or to modify your existing cover.

For more information about occupation ratings, read our Insurance in your super booklet (PDF, 832 KB).

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Have a question about an insurance claim? Call 1800 331 685 8:30am–6pm (AEST) Monday to Friday or email us.
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