Death and Total & Permanent Disablement (TPD) cover
Death and TPD insurance cover is provided to Club Plus Super members 24 hours a day, seven days a week, anywhere in the world.
How to increase your cover
As an Industry Division member, you may be automatically accepted for one unit of Death and TPD insurance cover if you opt in within 60 days of joining. If you are a Personal Division member, you may be eligible to apply for one unit of pre-approved cover.
Alternatively, you can apply to the Insurer for additional cover at any time., but you will need to complete the Personal Statement form (industry and personal division). Applications for cover can be made:
- online through the Insurance menu of your online account at clubplussuper.com.au/memberaccess; or
- by completing a Short Personal Statement form if you wish to apply for, or increase your Death only or Death and TPD up to a maximum of $500,000 (including any existing cover with Club Plus Super); or
- by completing a Personal Statement form if you wish to hold cover above $500,000 or you wish to also hold Income Protection insurance cover.
How to vary your cover
- Death-only cover
You can choose to cancel the TPD cover attached to your Death cover by calling us on 1800 680 627 or completing an Insurance Variation, Cancellation or Reduction form.
- Fixed cover
If you wish to ensure that your Death & TPD cover does not reduce over time, you can change from unitised cover to fixed cover. The cost of this cover will vary each year based on your age. You will need to complete an Insurance Variation, Cancellation or Reduction form to change to fixed cover.
Other ways to increase cover without underwriting
Life Events Cover
Life events cover makes it easier for you to increase your cover when significant life events occur. You can take up extra Death and TPD cover without having to provide evidence of health for certain significant life events such as milestone birthdays, marriage, birth of a child, mortgage etc. To apply, you will need to complete a Life Events (Insurance) Application.
Transfer other insurance cover to us
You can apply to transfer insurance cover you have elsewhere to your account with us. Read our Insurance Transfer Form for the eligibility criteria and for details about how to transfer your insurance.