Is it time for an insurance check?
03 September 2025
5
min read
What would happen if you couldn’t work for more than a few months? For almost half of workers, it’s a concerning scenario. QSuper insurance cover offers a simple solution.
Our research shows 47% of Aussies don't have enough savings to maintain their lifestyle if they lost their income for just 3 months.1 For many, this could have a devastating effect on them and their family.
Insurance through super can help. Let's unpack what your QSuper account offers, why insurance matters, and how to check if it’s right for you.
What cover can I get with my QSuper account?
We offer 3 types of insurance cover, giving you a financial safety net when you need it most.
| Income Protection |
Gives you money each week if you can’t work in the short term because you’re sick or injured. This could help pay for everyday needs and keep up your normal life. |
| Total and permanent disability (TPD) cover |
Pays out a lump sum if you’re unlikely to ever work again because of illness or injury. It may help with medical costs and ongoing financial needs. |
| Death cover (life insurance) |
Helps give financial security to you and your family if you die or have a terminal illness and are unlikely to live for more than 24 months. |
Automatic insurance cover
You may already have insurance cover included with your QSuper account. It depends on how you joined, your employment arrangements, your age, and your account balance.
But you might not be covered if:
- you're under 25
- have less than $6,000 in your account
- haven’t had money paid into your account for 13 months.
Not sure if you have insurance? It’s easy to check in Member Online.
Why does insurance matter?
Life can throw curveballs when we least expect them. Insurance through your QSuper account acts as a financial cushion, helping to protect you and your loved ones if something goes wrong.
- Peace of mind: Feel protected and know you’re prepared for the unexpected.
- Convenient: Payments from your super account, not your take-home pay.
- Flexible: Change or cancel at any time to meet your needs.
- Reliable: We’re here to support you if you need to make a claim.
Keep in mind: Paying insurance costs from your super account could mean less money for retirement.
Do I have the right level of cover?
Life changes, and so should your insurance. When comparing insurance needs to the cover you have, research shows that millions of Australians are underinsured.2
It's a good idea to review your cover regularly, especially when big life events happen. These could include:
- getting married or divorced
- having children
- buying a home
- changes in your income
- starting a new job.
Each of these milestones might mean you need more, or less, cover. By keeping your insurance up to date, you can make sure you're not over or under-insured.
How to work out what you need
Check if you have the right level of cover with our Insurance Needs Calculator. It's a simple tool that can give you a clearer picture based on your situation.
Use the calculator to:
- work out how much cover you might need
- compare it to what you currently have
- make informed decisions about adjusting your cover.
It only takes a few minutes. And it could make a big difference to your financial security.
Why get insurance cover through QSuper
We're committed to helping you feel confident about your financial future. That includes making sure you have the right insurance for your needs.
If the unexpected happens, you can be confident we’re here when you need us. Of the claims we finalised in 2024, we accepted:3
- 98.1% of Death cover claims
- 97.2% of TPD cover claims
- 98.5% of Income Protection cover claims.
Check you’re covered
Make sure you're properly protected. It’s quick and easy to use our calculator.