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Insurance

Affordable protection for you and your loved ones

Insurance options through your super

 

Income protection cover

Income protection pays you a weekly benefit to replace most of your income if you're unable to work for a temporary amount of time due to an illness or injury. This may help you to cover everyday living expenses and maintain the lifestyle you’ve built for yourself and your family.

Find out more
 

Total and permanent disability (TPD)

TPD cover pays you a lump sum if you suffer an illness or injury that means you're unlikely to ever be able to work again. This may help you to cover out of pocket medical expenses, home or transport modifications, support your ongoing financial needs, and take care of your dependants.

Find out more
 

Death cover

Death cover (also sometimes called Life insurance) pays a lump sum to your beneficiaries in the event of your death. You may be able to get your death cover as a terminal illness benefit if you're diagnosed with a terminal illness. This may help you to pay off any existing debts, cover living expenses for your dependants, or provide the financial support you’d like to give them in your absence.

Find out more

The QSuper difference

Support when it matters most

As part of a profit-for-members fund, everything we do is for our members – so we provide insurance for when life doesn't go to plan.

No health checks

We don't require any personal medical history before providing you with automatic cover (if you're eligible), so you can avoid the hassle of time-consuming health checks.1

Convenient cover

The cost of insurance is automatically deducted from your QSuper account, not your take-home pay – so there’s no impact on your day-to-day budget. Keep in mind this may reduce your money for retirement.

Fast claim times

QSuper account holders experience the fastest average income protection claim times for cover provided through super - and 98% of claims are approved.2



Make an insurance claim

If you need to make a claim, we aim to make the process as simple as possible.

Make a claim
 

Choose the right insurance cover for you

Everyone's insurance needs are different, so it's important to understand how much cover you have, and whether it is right for your unique circumstances.

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Check your current insurance

Log in to Member Online to see your current level of cover.
If you don't have any cover, you can apply in Member Online.

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Understand your needs

Use our Insurance Needs Calculator to see how much insurance you might need, and our Insurance Premium Estimator to get a quote.

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Get insurance advice

Because everyone's situation is different, you can get advice over the phone about what insurance you need.

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Change or cancel your cover

Our insurance is flexible. You can change or cancel your insurance to meet your needs.

Insurance FAQs Show all Hide all

What insurance cover do I have? Show content

You might have insurance cover included with your account, depending on whether you are eligible, your employment arrangements, your age, and your account balance.

Find out more or check your current level of cover in Member Online.

What is the benefit of having insurance through my super? Show content

One of the benefits of having insurance cover through your super fund is that the costs are paid directly from your super account, so your family are protected without affecting your day-to-day budget.

Keep in mind this may mean you'll end up with less in your super account for retirement.

How do I change my level of insurance cover? Show content

QSuper insurance is designed to be flexible so as circumstances change, so can your cover. You can change your level of cover by logging into Member Online or by using the Change of Insurance form (pdf). If you need help, please contact us.

Use the Insurance Needs Calculator to get an understanding of how much cover you might need or read the QSuper Insurance Guide (pdf) for further details.

Can I cancel my insurance cover? Show content

Yes, if you feel our insurance is not right for your circumstances, you can cancel any or all of it at any time via Member Online or by using the Application to Cancel Insurance form (pdf). If you need help, please contact us.

If you cancel your cover now and then later you decide you want insurance again, you will need to apply for cover then, and you will need to provide health and other information for us to assess. You will also need to meet the other eligibility criteria when you apply (see the QSuper Insurance Guide (pdf) for details).

Can I pay the insurance costs directly from my super? Show content

Yes, your insurance costs are paid monthly directly from your QSuper account. So you can have the peace of mind of knowing that you're protected without affecting your day-to-day budget.

This may also mean that you end up with less in your super account for retirement.

Can I change how much I pay for cover based on my job? Show content

Yes, you can change how much you pay by applying an occupational rating to your cover. By doing this, how much more or less you pay depends on your job.

If you apply to join QSuper directly and apply for insurance at the same time, we'll ask you some questions for an occupational rating.

Our occupational ratings are:

  • Standard rate
  • Professional rate
  • White collar rate
  • High risk rate.

If you were under age 16 when you applied to join, and weren't asked any occupational rating questions, you'll pay your premiums at the standard rate.

To find out what your occupational rating is and how this could affect the cost of your insurance, use our Insurance Premium Estimator. You can also occupationally rate your premiums through Member Online.
More information about occupational ratings.


Have you adopted the Life Insurance Code of Practice? Show content

We are committed to evaluating all insurance claims and applications fairly and objectively. Our insurer has adopted the Life Insurance Code of Practice. Find out more.

Is life insurance compulsory with super? Show content

It is not compulsory to hold life insurance through your super, although it can have many benefits.

As part of opening a QSuper Accumulation account through your Queensland Government or default employer, you will be provided with death cover and TPD cover if you are eligible. You may also be provided with income protection cover depending on your circumstances.

If you said yes to insurance when you joined directly, you may receive death cover and TPD cover if eligible. You can also apply for income protection cover online.

Your cover won't change automatically if you start working for a Queensland Government or default employer after applying to join QSuper online.

While you may receive insurance cover automatically with your super account, you can cancel it any time via Member Online if it doesn't meet your needs.


When will my insurance start? Show content

When your insurance cover starts will depend on your employment arrangements, your age, and your account balance. Under current legislation, you also need to have received money into your QSuper Accumulation account in the past 13 months to be eligible for insurance.

Find out more about when insurance starts or refer to the QSuper Insurance Guide (pdf) for more information.

When might my insurance cover be cancelled? Show content

There are a few circumstances where your insurance cover will end. For example, your death cover, TPD cover, and/or income protection cover will be cancelled if we don't receive any money into your account for a continuous period of 13 months, or if there is not enough money in your account to cover the insurance costs. You can also cancel your insurance at any time via Member Online if you feel it is not right for your needs. Refer to the QSuper Insurance Guide (pdf) for more information about the circumstances when cover will end.

How do I permanently opt in to insurance cover? Show content

You can choose to have your death cover, TPD cover, and/or income protection cover continue even if we stop receiving money into your QSuper Accumulation account by permanently opting in to cover. This makes sure we won't cancel your cover if no money goes into your account for 13 months.

You can permanently opt in to cover in Member Online. For more information about what happens to your insurance cover if we are no longer receiving contributions into your account, read the QSuper Insurance Guide (pdf).

Can I transfer my insurance across from another fund? Show content

You may be able to transfer across existing death cover, TPD cover, and/or income protection from another Australian insurer held either directly or through an Australian super fund. For more information about bringing your insurance with you, read the QSuper Insurance Guide (pdf) or contact us.

What exclusions apply to my cover? Show content

We can't pay your insurance claim if it is caused directly or indirectly by certain things, including war, criminal activity, deliberately hurting yourself, or a pandemic illness that occurs within the first 30 days after getting insurance or increasing your insurance.

Please note the pandemic illness exclusion doesn’t apply to default cover you receive automatically as a result of starting work with a Queensland Government or default employer. The pandemic illness exclusion also doesn’t apply if you apply for default cover within the first 120 days of starting work with the Queensland Government or a default employer.

In addition, you might have a pre-existing condition - an illness or injury where you had signs or symptoms of it before your insurance started or increased. In that case, your insurance might have a pre-existing exclusion period (a time during which we won't pay a claim for the condition) or an exclusion (limited or no cover).

For the list of exclusions that may apply, please read the QSuper Insurance Guide (pdf).

What is a pre-existing exclusion period? Show content

Some of our insurance cover comes with a 'pre-existing exclusion' period where we won't pay out an insurance benefit if you had signs or symptoms of your illness or injury before your cover with us began.

In most circumstances, you will have no pre-existing exclusion period on your default cover once you have been at work for 30 consecutive days following your cover start date. Being 'at work' has a particular definition, which you can find in the QSuper Insurance Guide (pdf).

There are certain circumstances where your default cover will be subject to a 2 year pre-existing exclusion period. Read the QSuper Insurance Guide (pdf) to see if this applies to you.


What if I am diagnosed with a terminal illness? Show content

If you have been diagnosed with a terminal illness that's likely to result in your death within 24 months, you may be able to access your superannuation balance and any death benefit insurance cover that you hold with an Accumulation account. For more information and the full definition of terminal illness, read the Claiming a Terminal Medical Condition Benefit factsheet (pdf).

What if I need to make an insurance claim? Show content

If you need to make a claim, we aim to make the process as simple as possible. Find out how.

Our goal is to support you and your family in your time of need, with a member-centred, holistic approach to claims management.

Where can I read your Insurance Key Facts Sheet? Show content

To learn more about automatic insurance in a QSuper Accumulation account, read our Insurance in Super Key Facts Sheet (pdf). Or if you work for the Queensland Government or a default employer, read the Insurance in Super Key Facts Sheet for Queensland Government and default employers (pdf).

What if I have insurance with both my ART Super Savings and QSuper accounts? Show content

You may have Death, Total & Permanent Disability, Total & Permanent Disability Assist and/or Income Protection cover if you have both ART Super Savings and QSuper accounts.

Carefully consider your needs and review how much you're insured for, how much you're paying (your insurance premiums), and other terms and conditions like pre-existing exclusions, waiting periods, and benefit periods. You should also consider the impact paying insurance premiums out of your super will have on your retirement savings.

If you choose to consolidate your accounts, your insurance cover will not automatically be transferred from one account to another - but you can request for your insurance to be transferred over before you consolidate your accounts. If you consolidate your accounts before transferring your insurance cover, the insurance on the account you're closing will be cancelled. There are a few things to consider when consolidating your accounts.

You can also choose to change or cancel your insurance to meet your needs.

What happens if I'm affected by domestic and family violence? Show content

If you're affected by domestic or family violence, we'll support you.

Our Domestic and Family Violence Support Policy is to promote your safety and outlines how we can assist if you're affected by domestic or family violence.

Who to call when you need help

Your safety comes first. If you’re in danger or feel unsafe, call 000 right away.

For confidential information and support any time, call 1800 RESPECT.

What if I need a translator or interpreter? Show content

You can get help interpreting or translating letters or emails from us. Please call the Australian Government's Translating and Interpreting Service (TIS National) on 131 450. It's open 24/7 (all day, every day).

We will pay if it costs money for you to use the translation service.

Or to read our website in your language, go to our Language page.

What if I'm from a culturally and linguistically diverse background? Show content

Links are provided to help you find health information and other support for culturally and linguistically diverse members, Aboriginal and Torres Strait Islander peoples: 

  • Head To Health: Support for people from different cultural backgrounds
  • Australian Indigenous HealthInfoNet
  • Open Minds: Supporting Culturally and Linguistically Diverse people (CALD)
  • WellMob: Social, emotional and cultural wellbeing online resources for Aboriginal and Torres Strait Islander People
  • Embrace: Multicultural mental health

Can I get life insurance if I have HIV or AIDS? Show content

Our insurer will treat HIV and/or AIDS like any other medical condition in determining the cover they offer. We do not have blanket policy exclusions for HIV and/or AIDS in our product terms and conditions.

Our insurer may ask you for more information about your condition and treatment plan as part of their underwriting consideration. Any questions asked will be done in a sensitive manner.

The Council of Australian Life Insurers (CALI) Board outlines this commitment in the Life Insurance Code of Practice . More information regarding CALI, their mission, strategy and purpose can be found on their website: CALI

Further information can be found in the CALI HIV and AIDS consumer fact sheet

Further information about the underwriting process can be found here

For more information

For more information about the insurance cover provided through QSuper, see our other Insurance FAQs, or download our QSuper Insurance Guide (pdf).

Check your insurance

It's easy to check how much insurance you have and make any changes, in Member Online.

Log in

 

1. Up to the automatic acceptance limit; eligibility criteria apply. The default cover you get automatically depends on your age, employment arrangements, and account balance. Download the QSuper Insurance Guide (pdf) for details.
2. Based on the average amount of time it took our insurer to decide whether to accept or decline a claim for payment in the period 1 January 2022 to 31 December 2022. Source: Moneysmart Life insurance claims comparison tool. Data in this tool is reported by life insurers and friendly societies to the Australian Prudential Regulation Authority (APRA). Accessed 2 May 2023.

 


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The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about QSuper, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.