What insurance cover do I have?

You might have insurance cover included with your QSuper account, depending on how you joined QSuper, your employment arrangements, your age, and your account balance. You can check your current level of cover in Member Online.

When insurance starts Show all Hide all

When will I get insurance? Show content

You'll automatically have insurance included with your QSuper account¹ when:

You're aged 25 years or older
Your account balance has been $6,000 or more, and
We've received money into your account in the last 13 months.

This criteria has been put in place to protect your retirement savings from being reduced by insurance premiums. Insurance premiums automatically come out of your account and may have an impact on future retirement savings.

The rules are different if you work for the Queensland emergency services. In this case, you'll have insurance cover automatically included with your account when you start work, even if you don't meet the above criteria. This is because jobs with these employers are considered to carry a higher degree of risk.

Queensland emergency services are:

Queensland Police Service
Queensland Ambulance Service
Queensland Fire and Emergency Service.

What if I want insurance before I turn 25? Show content

If you're under age 25 and want insurance cover, you can apply for cover and permanently opt in via Member Online.

Of course, you can change or cancel your insurance cover at any time.

Keep in mind you will need to have enough money in your account to cover the insurance costs, otherwise your cover will be cancelled.

What if I want insurance but my account balance has not yet reached $6,000? Show content

If your account balance has not yet reached $6,000 and you want insurance cover, you can apply for cover and permanently opt in via Member Online.

Of course, you can change or cancel your insurance cover at any time.

Keep in mind you will need to have enough money in your account to cover the insurance costs, otherwise your cover will be cancelled.

What if I want insurance but no money is being paid into my QSuper account right now? Show content

If money is not being paid to your QSuper account right now, but you still want insurance cover, you can apply for cover and permanently opt in via Member Online.

Of course, you can change or cancel your insurance cover at any time.

Keep in mind you will need to have enough money in your account to cover the insurance costs, otherwise your cover will be cancelled.

What insurance you'll get Show all Hide all

What if I joined QSuper directly? Show content

If you said yes to insurance when you signed up to QSuper via the website or a third party online tool, you'll automatically get between 1-2 units of death cover (depending on your age), and 2 units of total and permanent (TPD) cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

If you've started working for a Queensland Government or default employer after you opened your QSuper Accumulation account, you'll still get the cover outlined above.

What if I work for the Queensland Government or default employer on a permanent full-time or part-time basis? Show content

If you work for the Queensland Government or a default employer on a permanent full-time or part-time basis, you'll automatically get:

Between 1-2 units of death cover (depending on your age)
2 units of TPD cover (if you're under age 65)
Income protection cover if you're aged 16-64.

What if I work for the Queensland Government or default employer on a casual basis? Show content

If you're a casual employee with the Queensland Government or a default employer, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

What if I used to work for the Queensland Government or a default employer, but don't anymore? Show content

If your insurance cover starts after your employment with the Queensland Government ends, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

What if I work for the Queensland Police Service as a police officer? Show content

If you work for the Queensland Police Service as a currently sworn-in officer, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 60). You'll also automatically get income protection cover if you're aged 16-59.

What if a QSuper account is opened for me because of a family law split? Show content

Family law treats superannuation as property that can be divided in the event of a marriage or de facto relationship breakdown.

If a QSuper account is opened for you to receive any super money you're entitled to following a relationship breakdown, you'll automatically get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

What if I opened an Accumulation account to transfer money from my QSuper Income account (or another fund), or because I want to make personal contributions? Show content

If you said yes to insurance, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

What if an Accumulation account was opened for me when I closed my Defined Benefit account? Show content

If you've moved from a Defined Benefit account, the insurance cover you get will depend on your employment situation at the time your new Accumulation account is opened. Refer to the Insurance Guide (pdf) for details.

Key definitions Show all Hide all

What's a 'unit of cover'? Show content

With death cover and TPD cover, each unit is worth a dollar value based on your age. With income protection cover, each unit is worth $500 a month (including a contribution replacement benefit of $72.65 per unit), and the cost per unit changes with your age.

What's a 'default employer'? Show content

Means an employer registered with the Australian Retirement Trust as agreed by QInsure as a default employer who is not a Queensland Government employer.

What does it mean to 'permanently opt in to cover'? Show content

Permanently opting in to cover means that the types of insurance cover you currently hold (including Death, TPD and Income protection cover) will continue even if:

You are under 25 years old, and/or
You have an Accumulation account balance under $6,000, and/or
We have not received money into your account in the last 13 months.

You can permanently opt in to cover in Member Online or by sending us a completed Permanently opt in to your Accumulation account insurance form (pdf) or Change of Insurance form (pdf). Of course, you can change or cancel your insurance cover at any time. Keep in mind that insurance premiums automatically come out of your account so it's important that you keep enough money in there for your premiums. And insurance premiums may impact your future retirement savings.

There are various other circumstances when cover will end. Refer to the Insurance Guide (pdf) for more information.

Check your insurance

You can find your current level of insurance cover in Member Online.
Current cover not right for you? Change or cancel your insurance to meet your needs.

View cover

1. Other eligibility terms and conditions apply. Refer to the Insurance Guide (pdf) for more information.