Changing your insurance cover

Life doesn't stay the same. So why should your insurance?

Starting out. Buying a home. Having children. Or getting older. Your insurance needs are likely to change throughout your life.

VicSuper offers members the ability to increase, decrease or change their insurance cover as their circumstances change.


Increase your cover

You need to apply to increase your insurance or reduce your waiting period.

Within the special insurance offer period

VicSuper FutureSaver EmployeeSaver members who joined through their employer and are within their special insurance offer period can apply to increase their insurance with minimal health evidence.

Your special insurance offer period ends 60 days from the date of the letter advising your insurance cover upon joining VicSuper FutureSaver. Once you elect to make a change to your death and TPD or income protection cover, your special insurance offer period ends.

During your special insurance offer period 
Death and TPD cover Income protection cover

Get up to... 

8 units of cover (up to $412,000 depending on your age) by completing a short Good Health Declaration.

Get up to...

8 units of cover (up to $4,000 per month) by completing a short Good Health Declaration.

To increase your insurance to the levels outlined above download the Insurance handbook and complete the application form found at the back of the handbook.

Other times

If you're not within your special insurance offer period, you can still apply to increase or change your insurance.

It isn't difficult, but there are some forms to complete, and approval of your application will be subject to our Insurer (AMP) assessment.

To increase your insurance download the Insurance handbook and follow the steps below.


How to change your cover

You can increase, decrease, change or cancel your existing cover in the following ways:

  • 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 Insurer (AMP) for further assessment
  • Alternatively, you can complete the application form found at the back of the Insurance handbook, or see Forms & publications to download the forms and return them to VicSuper.

You can use the steps above to transfer unit-based cover to the equivalent level of fixed cover.


Life doesn't stay the same. So why should your insurance?

Starting out. Buying a home. Having children. Or getting older. Your insurance needs are likely to change throughout your life.

VicSuper offers members the ability to increase, decrease or change their insurance cover as their circumstances change.


Increase your cover

You need to apply to increase your insurance or reduce your waiting period.

Within the special insurance offer period

VicSuper FutureSaver EmployeeSaver members who joined through their employer and are within their special insurance offer period can apply to increase their insurance with minimal health evidence.

Your special insurance offer period ends 60 days from the date of the letter advising your insurance cover upon joining VicSuper FutureSaver. Once you elect to make a change to your death and TPD or income protection cover, your special insurance offer period ends.

During your special insurance offer period 
Death and TPD cover Income protection cover

Get up to... 

8 units of cover (up to $412,000 depending on your age) by completing a short Good Health Declaration.

Get up to...

8 units of cover (up to $4,000 per month) by completing a short Good Health Declaration.

To increase your insurance to the levels outlined above download the Insurance handbook and complete the application form found at the back of the handbook.

Other times

If you're not within your special insurance offer period, you can still apply to increase or change your insurance.

It isn't difficult, but there are some forms to complete, and approval of your application will be subject to our Insurer (AMP) assessment.

To increase your insurance download the Insurance handbook and follow the steps below.


How to change your cover

You can increase, decrease, change or cancel your existing cover in the following ways:

  • 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 Insurer (AMP) for further assessment
  • Alternatively, you can complete the application form found at the back of the Insurance handbook, or see Forms & publications to download the forms and return them to VicSuper.

You can use the steps above to transfer unit-based cover to the equivalent level of fixed cover.