An industry leader in 10-year investment performance
Our Income account won Money magazine's Pension Fund Manager for 2019.3
Affordable protection for you and your loved ones
Income protection pays you a weekly benefit to replace most of your income if you are unable to work for a period of time due to serious illness or injury. This allows you to cover everyday living expenses and maintain the lifestyle you’ve built for yourself and your family.
Total and permanent disability (TPD) cover pays you a lump sum if an illness or injury leaves you unable to work again. This allows you to cover out of pocket medical expenses, home or transport modifications, support your ongoing financial needs, and take care of your dependants.
Death cover (also sometimes called Life insurance) pays a lump sum to your beneficiaries in the event of your death or terminal illness. This allows 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.
As a profit-for-members fund, everything we do is for our members – so we provide affordable insurance for when life doesn't go to plan.
We don't require any personal medical history before providing you with cover when you first join QSuper, so you can avoid the hassle of time consuming health checks.1
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.
You can feel confident that our insurer's claims management is ranked as industry leading. QSuper members experience the highest income protection claim approval rates for cover provided through super.2
One in three QSuper members will make an insurance claim in their lifetime.3 If you need to make a claim, we aim to make the process as simple as possible.
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.
Log in to Member Online to see your current level of cover.
Use our insurance needs calculator to see how much insurance you might need, and our insurance premium estimator to get a quote.
Our insurance is flexible. You can change, cancel, or permanently opt in to cover easily in Member Online.
For more information about the insurance cover provided through QSuper, read the Accumulation Account Insurance Guide (pdf).
It takes less that five minutes to sign up online.
Already a member? Manage your insurance online.
1. Up to the automatic acceptance limit.
2. Source: MoneySmart Life insurance claims comparison tool. Accessed 16 October 2019: www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/life-insurance-claims-comparison-tool
3. 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.