- Read the Insurance handbook
We've provided you with a summary below, but you should read the Insurance handbook to make sure you have all the details.
- Complete your application
To apply, change or cancel your insurance cover, you can:
- Complete the
online application and, depending on the cover you are applying for, you may receive an immediate approval, or your online application will be forwarded to our underwriter for further assessment.
- Alternatively, you can download and complete the application form found under Forms and publications and return them to VicSuper.
Are you a VicSuper member? You may already have cover.
Members who join VicSuper through their employer may receive default cover if eligible. To check if you have insurance, login to your account or call our Member Centre on 1300 366 216.
If you have death, TPD or income protection cover held under another super or self-managed super fund, you can apply to transfer that cover to your VicSuper account.
There are limitations on the acceptance of cover, including where you have existing loadings or exclusions.
To find out more, just refer to the Insurance Handbook
The insurance policy outlines all the terms and conditions for the insurance cover provided by our Insurer. There are certain circumstances, such as being self-employed, a contractor, over a certain age, earning less than 14 hours per week, or changes to your employment that may affect your insurance cover. Please read the Insurance Handbook
for more details.
Insurance cover outlined in this handbook is provided under group life insurance and group income protection policies issued and underwritten by MetLife Insurance Limited ABN 75 004 274 882 AFSL NO. 238 096
These two policies contain the full terms and conditions of insurance cover in VicSuper.
Find out more about your insurance cover
How do I know if I'm covered?
Most members who join VicSuper FutureSaver through their employer will receive automatic cover once they become a member and their employer has paid at least one employer Superannuation Guarantee contribution on their behalf. There are a few exceptions to this, to confirm your eligibility for cover, see our Insurance Handbook
(PDF) or call our Member Centre on 1300 366 216
How long does my cover last?
Once you have cover, it will generally continue while you remain a member and there’s money in your account to cover the cost of the insurance premiums. Cover will automatically stop once you reach age 65 (for income protection) or 70 (for death & TPD insurance). There are a few other situations when your cover may also end, see our Insurance Handbook
How much cover do I have?
You can see how much cover you have by checking your half-yearly Benefit Statement or by logging into MembersOnline. Just remember, VicSuper may not have all the details about your employment history at the time you joined and whether you have received insurance benefits in the past – so if you are unsure about your eligibility to receive insurance cover through VicSuper, contact us and we’ll be happy to help.
This information is current as at 1 July 2019.