Why Club Plus Super Cover?
Industry Division Members
For Industry Division members, Death, Terminal Illness & Total & Permanent Disablement (TPD) cover and Short Term Income Protection insurance is automatic. This means that for Death, Terminal Illness & TPD, you won’t have to provide any evidence of health.
New members who join the Industry Division have the option to take up a second unit of Death, Terminal Illness & TPD cover within 60 days of receiving their welcome letter.
Personal Division Members
New eligible members of Club Plus Super's Personal Division have the option to take up one unit of Death, Terminal Illness & TPD cover and up to $5,000 per month Short Term Income Protection cover within 60 days of receiving their welcome letter without providing evidence of health. Cover provided this way will be subject to a 3 year pre-existing condition and suicide exclusion.
If additional cover is required or the Personal Division member does not want the 3 year exclusion, they can apply with the insurer by completing a Personal Statement form. Their request will be subject to the insurer accepting their cover with satisfactory evidence of health.