Insurance cover options
Insurance: What is it? Do you need it? Do you have it?
Death (including terminal illness) and TPD cover provides a lump sum payment to you or your dependants in the event of death, or you suffer from an illness or serious injury which makes it impossible for you to work. This insurance can help protect against unforeseen circumstances to ensure the ongoing well-being of you or your family members
Short Term Income Protection cover provides a replacement income of up to 80% (plus the employer Superannuation Guarantee contribution of 9.5%) for up to two years if you are unable to work temporarily due to illness or injury (conditions and waiting periods apply). This means you can continue to pay your bills while taking the time to recover.
Long Term Income Protection cover can provide replacement income of up to 75% (plus the employer Superannuation Guarantee contribution of 9.5%) until age 65. This cover complements the Short Term Income Protection cover as it has a two year waiting period.
Learn more about our insurance products
Insurance made for you
Insurance is not a “one-size fits all” solution, so our insurance offering is designed to be tailored based on the age of the member being insured.
We’ve set default insurance levels to align with member needs at certain ages and set the insurance premiums accordingly, making our insurance offerings affordable and sustainable.
Members wishing to apply for additional insurance can also access customised cover based on their age, increasing their cover through additional units or fixed cover.
Not sure what cover you already have?
For personal financial advice, call us on 1800 680 627 and we can refer you to Club Plus Financial Planning*.
Why choose Club Plus Super cover?
We offer great value options, helping you get the right insurance directly through your super.
Club Plus Super has won a range of industry awards and endorsements.
Designed for members
We have designed our insurance to suit your needs at different stages in your life.
¹Financial planning advice is provided by Club Plus Financial Planning Pty Ltd (Club Plus Financial Planning), ABN 14 143 636 766 acts as a Corporate Authorised Representative #367058 of Link Advice Pty Ltd, ABN 36 105 811 836 (“Licensee”). The Licensee holds a current Australian Financial Services Licence #258145 and is responsible for the financial services provided to you. Club Plus Financial Planning is an associated company of Club Plus Superannuation Pty Ltd. There are no fees for general advice or intrafund advice. Where the service extends beyond superannuation and retirement planning advice, you will be invoiced directly.