What is terminal illness?

A feature of being a QSuper member is that if you’re diagnosed with a terminal medical condition that’s likely to result in your death within 24 months, you may be able to receive a lump sum benefit.

Meaning of terminal medical condition

For Schedule 1 of regulation 6.01A of the Superannuation Industry (Supervision) Regulations, a terminal medical condition exists in relation to a person at a particular time if the following circumstances exist:

  • two registered medical practitioners have certified, jointly or separately, that the person suffers from an illness, or has incurred an injury, that is likely to result in the death of the person within a period (the certification period) that ends not more than 12 months after the date of the certification;
  • at least one of the registered medical practitioners is a specialist practicing in an area related to the illness or injury suffered by the person;
  • for each of the certificates, the certification period has not ended.

Insurance cover

A “terminal illness” means you are suffering a terminal medical condition within the meaning of regulation 6.01A of the Superannuation Industry (Supervision) Regulations, subject to the qualification that the prognosis takes into account reasonable medical treatment.

It’s important to note, though, that while death cover and total and permanent disability (TPD) cover are provided separately you cannot claim both – your death cover will be cancelled if you receive a TPD benefit.

The only time you’ll keep death cover is if your death cover is greater than the TPD benefit that is paid, in which case you’ll keep the difference. See Li’s story below to see how this works. Similarly, if you receive a death benefit due to a terminal illness claim, you’ll only keep the TPD cover that is greater than the death benefit paid.

Case Study


Li is 45 and has fixed death cover worth $400,000 and fixed TPD cover worth $550,000. Li is diagnosed with an aggressive form of lung cancer and is deemed to have a terminal medical condition. She receives an insurance benefit of $400,000. The first $400,000 of her TPD cover is consequently cancelled, but she keeps the remaining $150,000 of TPD cover.

Please note that in addition to any pre-existing conditions, pre-existing exclusion periods and other exclusions applicable, there are other times when a benefit may not be payable. Please refer to the Accumulation Account Insurance Guide for further details.

Please note that the case studies are provided for illustrative purposes only and the members shown aren’t real. It is assumed for the purpose of the case studies that all terms and conditions have been met. Additionally, figures may be rounded up for ease of understanding.

Claiming a Terminal Medical Condition Benefit

Please refer to our Accumulation Account Insurance Guide for further information on terms, conditions and eligibility.