Change your cover

Everyone’s personal and financial situation is different — so are your insurance needs. That’s why we give you plenty of choice when it comes to the types and amount of insurance you have.

How much cover do I need?

The amount of cover you need will likely change throughout your life as your financial and personal situation changes.

Key life moments when you might review your cover include:

• starting a new job
• getting married
• having kids
• buying a house or downsizing
• divorce

By reviewing your cover regularly, you can make sure your cover is right for you. You can check how much cover you need and what it’ll cost by using our Insurance calculators.*

If you were a CareSuper member before 1 November 2024 and held insurance, use our Legacy Insurance calculators to check if you have the right cover for your needs.

Cancel or reduce your cover

To cancel or reduce your cover, you can:

• log in to Member Online 
• call us on 1800 005 166
• complete and return the Manage your cover form. 
  
  

Opt out of cover

You can opt out of cover before it starts or within 30 days of your cover commencing. If you opt out within 30 days, we’ll refund any insurance fees you’ve paid into your account. To opt-out of cover, you can:

• log in to Member Online 
• call us on 1800 005 166
   

Get more cover

If you don't have cover or would like to increase your cover, you can apply for fixed cover or tailored age-based cover, if eligible.  If accepted, any default cover you have will be combined with the amount you applied for and you’ll no longer hold default cover.  Once your default cover has been changed, you won't be eligible for default cover in the future.

If you have tailored age-based cover, your cover and costs will change each year on your birthday. If you have fixed cover, the amount of cover you have stays the same until you reach age 61. From age 61 to 69, the amount of your fixed TPD cover will reduce proportionately each year.  The amount you pay for fixed cover will also change as you get older.

To apply to increase your cover, you can:

• log in to Member Online 
• complete and return the relevant Apply for cover form.

You can also apply to increase your cover without providing medical evidence, following a life event. See Life events cover below. 

Transfer cover from another insurer

If you have insurance elsewhere, you can apply to transfer that cover to us, subject to conditions.

To apply to transfer cover to CareSuper, you can:

• log in to Member Online 
• complete and return the relevant Transfer your insurance cover form.

*The insurance fees provided by our insurance needs calculator are estimates and assume that you don’t work for an eligible employer.  If you do work for an eligible employer, the fees you’ll pay will be different. See the Insurance Guide or call us on 1800 005 166 for more information. You can check what cover you have in Member Online.