• Personal
  • Employers
  • Advisers
  • Calculators & forms
  • News Hub
  • Contact us
QSuper QSuper
  • Products
    • Why QSuper
    • Investment options
    • Fees
    • Financial advice
    • Compare us
    • Insurance
    • Account types
      • Accumulation account
      • Retirement Income account
      • Transition to Retirement Income account
      Why QSuper?

      #1 fund for weathering market ups and downs3

      More reasons to join
  • Super
    • Grow your super
      • Salary sacrifice
      • Super co-contribution
      • Voluntary contributions
      • Spouse contributions
      • Contribution caps
      • Tax deductions
    • Consolidate your super
    • Find your lost super
    • Changing jobs
    • Nominate beneficiaries
    • Early access
    • Seminars and education
  • Retirement
    • Why retire with QSuper
    • How much super do you need to retire
    • Retirement planning
      • Make your super last in retirement
      • The Age Pension and Super
    • Retirement Income account
    • Access your super
      • When can you access your super
      • Withdraw your super
    • Transition to retirement strategy
    • Seminars and education
      Award winning

      SuperRatings' Pension of the Year three years in a row4

      Find out more
  • Investments
    • Investment options
      • Lifetime
      • Moderate
      • Balanced
      • Socially Responsible
      • Aggressive
      • Cash
      • Diversified Bonds
      • Australian Shares
      • International Shares
      • Self Invest
    • Performance
      • Overview
      • Graphs
      • Unit prices
    • Compare options
    • Change your investment options
  • Insurance
    • Insurance options
      • Income protection
      • Total & permanent disability cover
      • Death cover
    • How much insurance cover do you need
    • Change or cancel your insurance
    • Make an insurance claim
  • Advice
  • Calculators & forms
  • News Hub
  • Contact us
Join
  • Call
Join Log In - Open navigation
Member Online

Forgot username?
Forgot password?
Register
 
Upcoming outage

Due to required maintenance, QSuper Member Online will be unavailable from 9pm Friday, 26th February to 7am Saturday, 27th February 2021. We apologise for any inconvenience caused.

Navigation

QSuper
  • Personal
  • Employers
  • Advisers
  • Search
  • Join Log In
  • Products Expand
    • Why QSuper
    • Investment options
    • Insurance
    • Fees
    • Financial advice
    • Account types Expand
      • Accumulation account
      • Retirement Income account
      • Transition to Retirement Income account
    • Compare us
  • Super Expand
    • Consolidate your super
    • Grow your super Expand
      • Salary sacrifice
      • Super co-contribution
      • Voluntary contributions
      • Spouse contributions
      • Contribution caps
      • Tax deductions
    • Find your lost super
    • Changing jobs
    • Nominate beneficiaries
    • Early access
    • Seminars and education
  • Retirement Expand
    • Why retire with QSuper
    • How much super do you need to retire
    • Retirement planning Expand
      • Make your super last in retirement
      • The Age Pension and Super
    • Access your super Expand
      • When can you access your super
      • Withdraw your super
    • Transition to retirement strategy
    • Retirement Income account
    • Seminars and education
  • Investments Expand
    • Performance Expand
      • Overview
      • Graphs
      • Unit prices
    • Investment options Expand
      • Lifetime
      • Moderate
      • Balanced
      • Socially Responsible
      • Aggressive
      • Cash
      • Diversified Bonds
      • Australian Shares
      • International Shares
      • Self Invest
    • Compare options
    • Change your investment options
  • Insurance Expand
    • Insurance options Expand
      • Income protection
      • Total & permanent disability cover
      • Death cover
    • How much insurance cover do you need
    • Change or cancel your insurance
    • Make an insurance claim
  • Advice
  • Your account Expand
    • Online Advice
    • Super Expand
      • Consolidate
      • Investments
      • Add to super
      • Insurance
      • Account history & statements
    • Profile Expand
      • Security and Authorities
      • Employer
      • Employer
      • Personal details
      • Beneficiaries
    • Self Invest
  • Calculators & forms Expand
    • Superannuation & Retirement Calculators Expand
      • Retirement planning
      • Insurance
      • Maximise your super
      • Savings
      • Investing
    • Forms Expand
      • All
      • Claims and withdrawals
      • Deposits and contributions
      • Insurance
      • Investments
      • Transfers
      • Other forms
    • Publications Expand
      • PDS
      • Guides
      • Annual reports
      • Factsheets
      • Other publications
  • News Hub Expand
    • Category Expand
      • News
      • Superannuation
      • Retirement
      • Finances
      • Investments
      • Career
      • Wellbeing
      • Employer
  • Contact us Expand
    • Email QSuper
    • Language assistance
    • Browser support
    • Formal enquiries and complaints
    • FAQs – Frequently Asked Questions
    • QSuper Member Centres

News Hub

All Articles News Superannuation Retirement Finances Investments Career Wellbeing
News Hub Employer

Pandemic illness and QSuper insurance

Employer
20 March 2020 5 min read

COVID-19 has been declared a pandemic illness by the World Health Organisation (WHO).

The insurance policy QSuper has with their insurer, QInsure, currently has a pandemic illness exclusion which has taken effect from 18 March 2020.

QsuperInsurance & Pandemic_Banner 

Any existing insurance cover QSuper members had in place prior to 18 March 2020 is not in any way impacted by this pandemic illness exclusion.

There is no impact for Defined Benefit members (unless they apply for additional insurance cover through an Accumulation account).

The exclusion applies to new insurance cover that starts on or after 18 March 2020 such as:

  • Any additional insurance cover
  • Insurance cover members receive if they join QSuper directly (not through a Queensland Government or default employer)
  • Insurance cover members receive if an Accumulation account is opened for them as a result of a family law split, they transfer money from a QSuper Income account, or because they already have an Income account and QSuper receives money for them.2

This exclusion only applies for claims that arise from a pandemic illness where the member’s date of disablement or death occurs within the first 30 days of cover starting. After 30 days, this exclusion will no longer apply.

Queensland Government employees

QSuper is committed to looking after the people who look after our community and supporting them when it matters most.

Many QSuper members may be at a higher risk of becoming sick as a result of a pandemic illness as they are working hard on the frontlines.

To make sure these members are protected, the pandemic illness exclusion will not apply to default cover members receive that:

  • They receive automatically as a result of starting work with a Queensland Government or default employer, or
  • They apply for within the first 120 days of starting work with a Queensland Government or default employer.

What is the pandemic illness exclusion?

If the pandemic illness exclusion applies to a member, under QSuper's insurance policy, they will not pay an insurance benefit where the member’s claim arises (directly or indirectly) from a pandemic illness where their date of disablement occurs within 30 days after their cover starting.

This means that if the first date a member can’t work due to being sick from COVID-19 falls within the 30-day period, they will not receive an income protection benefit. It also means that if they pass away due to COVID-19 within the 30-day period, a payment will not be made under any death cover the exclusion applies to.

This exclusion applies to new insurance that starts on or after 18 March 2020.

Existing cover not affected

As the pandemic illness exclusion applies to new insurance cover, exclusion will not apply to any existing insurance members already had with QSuper prior to 18 March 2020.

If a member applies for and is provided with additional cover, the exclusion will apply to this new additional cover (but not any existing cover held prior to 18 March 2020) for the first 30 days after that additional cover starts.

Members’ insurance cover will still be subject to the other terms and conditions outlined in our Accumulation Account Insurance Guide (pdf).

Choose the right insurance cover

Everyone's insurance needs are different, so it's important QSuper members understand how much cover they have, and whether it is right for their unique circumstances. QSuper members can:

  • Check their current insurance by logging in to Member Online.
  • Understand their needs and how much QSuper insurance costs by using QSuper’s insurance needs calculator and insurance premium estimator.
  • Get insurance advice: Get advice about how much insurance they need. Available over-the-phone at no additional cost.3
  • Change or cancel their insurance to meet their needs.

1. QSuper’s analysis shows 36.8% of members who spend their whole working lives with QSuper are expected to access their insurance benefits before retirement. This includes 2.6% who die, 11.5% who become totally and permanently disabled before the age of 65 and 22.7% who are temporarily disabled from working, for a significant period, at some stage

2. There may be other situations where the pandemic illness exclusion will apply. Refer to the Accumulation Account Insurance Guide for more information.

3. The administration fee covers the provision of advice about a member’s QSuper Accumulation and/or Income account, when they receive personal advice from QInvest. Eligibility conditions and advice fees may apply. Refer to the Financial Services Guide for more information.

 

Related Content
banner Understanding insurance through super reforms
01 Apr 5 MIN READ

Government reforms will require insurance in super for some members to only be offered on an opt-in basis from April 1 next year.

Read more
Employer News
IF YOU ENJOYED THIS ARTICLE, YOU MIGHT ALSO LIKE...
banner Understanding insurance through super reforms
01 Apr 5 MIN READ

Government reforms will require insurance in super for some members to only be offered on an opt-in basis from April 1 next year.

Read more
Employer News
banner Supporting our members today and tomorrow
18 Mar 5 MIN READ

Your super is a big deal, not a one-year deal.

Read more
News
Coronavirus and market volatility Coronavirus and market volatility
09 Mar 6 MIN READ

Keeping market volatility in perspective

Read more
Superannuation News
Woman shaking hands Superannuation - an untapped employee benefit
16 Feb 7 MIN READ

From an employer’s point of view, superannuation is not just an obligation but an untapped opportunity that may support employee acquisition, retention and productivity.

Read more
Employer
All Articles News Superannuation Retirement Finances Investments Career Wellbeing
  • Our products
    • Why QSuper?
    • Investment options
    • Fees
    • Insurance
    • Financial advice
  • Super & retirement
    • How much do you need?
    • Grow your super
    • Consolidate
    • Changing jobs
    • Seminars
    • Access your super
  • Investments
    • Performance
    • Unit prices
    • Graphs
    • Compare options
  • Calculators & Forms
    • Calculators
    • Forms
    • Publications
  • Contact us
    • 1300 360 750
      Mon-Fri   8.00am to 6.00pm AEST
  • About us
  • Careers
  • Sitemap
  • Privacy
  • Security
  • Disclaimer
  • Terms and conditions
  • Disclosure
© QSuper Board
2020 awards
Facebook Twitter LinkedIn YouTube