Types of cover
You take care, but sometimes the universe has other ideas
We offer three types of insurance cover to protect you and your loved ones from life’s unexpected surprises.
Not sure what insurance you have?
Check the category, type, amount and cost of cover you have, by logging in to Member Online or the CareSuper app.
How do you get insurance with us?
You may receive insurance cover with CareSuper the following ways:
- We automatically apply cover to your account if you meet eligibility conditions without you needing to provide detailed health information (unless you’ve opted out). This is known as ‘Default cover’1
- You may be eligible to apply for Tailored cover.2
Your occupation makes a difference
Your occupation rating is used to calculate the cost of your cover and reflects the kind of work that you do.
If you have the wrong occupation rating, you may be paying too much for your cover.
Find out more about occupation ratings
Insurance FAQs
How can I check my current cover?
The easiest way to check your cover is in Member Online or the CareSuper app.
Find out how to get online. And if you have any trouble, here’s some answers to common issues.
Otherwise you can call us on 1800 005 166.
I didn’t choose my insurance cover. How did I get it? Why do I have insurance?
We automatically apply cover to your account if you meet eligibility conditions without you needing to provide detailed health information (unless you’ve opted out). This is known as ‘Default cover’.
We’re required to automatically provide default insurance so employers can use CareSuper as their default super fund. Employers use default super funds to pay super contributions into for employees who don’t choose their own fund or have an existing super fund. Learn more about employer obligations.
How do I know how much cover is right for me?
Everyone’s personal and financial situation is different — so are your insurance needs. You should choose enough cover to protect what matters most to you.
You can start by asking:
- What expenses or debts would need to be covered if something happened to me? For example a mortgage or other loans.
- How much income would my family need to maintain their lifestyle?
- Do I want to consider future costs like education or living expenses?
A good rule of thumb: add up your financial obligations and future needs, then subtract any existing savings or assets. The result is a rough guide to the amount of cover you need.
The amount of cover you need will likely change throughout your life as your financial and personal situation changes.
You can check how much cover you need and what it’ll cost by using our Insurance calculator.1,3
For help with complex financial decisions, you can access expert advice tailored to your needs.
Financial planning assistance?
Disclaimers
2 We automatically apply cover to your account if you meet eligibility conditions without you needing to provide detailed health information (unless you’ve opted out). This is known as ‘Default cover’. We’re required to automatically provide default insurance so employers can use CareSuper as their default super fund. Employers use default super funds to pay super contributions into for employees who don’t choose their own fund or have an existing super fund. Learn more about employer obligations.
3 The insurance fees provided by our Insurance calculator are estimates. Estimates are not available for Category D cover. Read the Insurance guide for more information. You can check your current cover and costs in Member Online and the CareSuper app.