Insurance

You might have insurance cover included with your account, depending on whether you are eligible, your employment arrangements, your age, and your account balance.

Find out more or check your current level of cover in Member Online.

One of the benefits of having insurance cover through your super fund is that the costs are paid directly from your super account, so your family are protected without affecting your day-to-day budget.

Keep in mind this may mean you'll end up with less in your super account for retirement.

QSuper insurance is designed to be flexible so as circumstances change, so can your cover. You can change your level of cover by logging into Member Online or by using the Change of Insurance form (pdf). If you need help, please contact us.

Use the Insurance Needs Calculator to get an understanding of how much cover you might need or read the QSuper Insurance Guide (pdf) for further details.

Yes, your insurance costs are paid monthly directly from your QSuper account. So you can have the peace of mind of knowing that you're protected without affecting your day-to-day budget.

This may also mean that you end up with less in your super account for retirement.

Yes, you can change how much you pay by applying an occupational rating to your cover. By doing this, how much more or less you pay depends on your job.

If you apply to join QSuper directly and apply for insurance at the same time, we'll ask you some questions for an occupational rating.

Our occupational ratings are:

• Standard rate
• Professional rate
• White collar rate
• High risk rate.

If you were under age 16 when you applied to join, and weren't asked any occupational rating questions, you'll pay your premiums at the standard rate.

To find out what your occupational rating is and how this could affect the cost of your insurance, use our Insurance Premium Estimator. You can also occupationally rate your premiums through Member Online.
More information about occupational ratings.

It is not compulsory to hold life insurance through your super, although it can have many benefits.

As part of opening a QSuper Accumulation account through your Queensland Government or default employer, you will be provided with death cover and TPD cover if you are eligible. You may also be provided with income protection cover depending on your circumstances.

If you said yes to insurance when you joined directly, you may receive death cover and TPD cover if eligible. You can also apply for income protection cover online.

Your cover won't change automatically if you start working for a Queensland Government or default employer after applying to join QSuper online.

While you may receive insurance cover automatically with your super account, you can cancel it any time via Member Online if it doesn't meet your needs.

When your insurance cover starts will depend on your employment arrangements, your age, and your account balance. Under current legislation, you also need to have received money into your QSuper Accumulation account in the past 13 months to be eligible for insurance.

Find out more about when insurance starts or refer to the QSuper Insurance Guide (pdf) for more information.

There are a few circumstances where your insurance cover will end. For example, your death cover, TPD cover, and/or income protection cover will be cancelled if we don't receive any money into your account for a continuous period of 13 months, or if there is not enough money in your account to cover the insurance costs. You can also cancel your insurance at any time via Member Online if you feel it is not right for your needs. Refer to the QSuper Insurance Guide (pdf) for more information about the circumstances when cover will end.

You can choose to have your death cover, TPD cover, and/or income protection cover continue even if we stop receiving money into your QSuper Accumulation account by permanently opting in to cover. This makes sure we won't cancel your cover if no money goes into your account for 13 months.

You can permanently opt in to cover in Member Online. For more information about what happens to your insurance cover if we are no longer receiving contributions into your account, read the QSuper Insurance Guide (pdf).

You may be able to transfer across existing death cover, TPD cover, and/or income protection from another Australian insurer held either directly or through an Australian super fund. For more information about bringing your insurance with you, read the QSuper Insurance Guide (pdf) or contact us.

We can't pay your insurance claim if it is caused directly or indirectly by certain things, including war, criminal activity, deliberately hurting yourself, or a pandemic illness that occurs within the first 30 days after getting insurance or increasing your insurance.

Please note the pandemic illness exclusion doesn’t apply to default cover you receive automatically as a result of starting work with a Queensland Government or default employer. The pandemic illness exclusion also doesn’t apply if you apply for default cover within the first 120 days of starting work with the Queensland Government or a default employer.

In addition, you might have a pre-existing condition - an illness or injury where you had signs or symptoms of it before your insurance started or increased. In that case, your insurance might have a pre-existing exclusion period (a time during which we won't pay a claim for the condition) or an exclusion (limited or no cover).

For the list of exclusions that may apply, please read the QSuper Insurance Guide (pdf).

Some of our insurance cover comes with a 'pre-existing exclusion' period where we won't pay out an insurance benefit if you had signs or symptoms of your illness or injury before your cover with us began.

In most circumstances, you will have no pre-existing exclusion period on your default cover once you have been at work for 30 consecutive days following your cover start date. Being 'at work' has a particular definition, which you can find in the QSuper Insurance Guide (pdf).

There are certain circumstances where your default cover will be subject to a 2 year pre-existing exclusion period. Read the QSuper Insurance Guide (pdf) to see if this applies to you.

If you have been diagnosed with a terminal illness that's likely to result in your death within 24 months, you may be able to access your superannuation balance and any death benefit insurance cover that you hold with an Accumulation account. For more information and the full definition of terminal illness, read the Claiming a Terminal Medical Condition Benefit factsheet (pdf).

If you need to make a claim, we aim to make the process as simple as possible. Find out how.

Our goal is to support you and your family in your time of need, with a member-centred, holistic approach to claims management.

To learn more about automatic insurance in a QSuper Accumulation account, read our Insurance in Super Key Facts Sheet (pdf). Or if you work for the Queensland Government or a default employer, read the Insurance in Super Key Facts Sheet for Queensland Government and default employers (pdf).

You may have Death, Total & Permanent Disability, Total & Permanent Disability Assist and/or Income Protection cover if you have both ART Super Savings and QSuper accounts.

Carefully consider your needs and review how much you're insured for, how much you're paying (your insurance premiums), and other terms and conditions like pre-existing exclusions, waiting periods, and benefit periods. You should also consider the impact paying insurance premiums out of your super will have on your retirement savings.

If you choose to consolidate your accounts, your insurance cover will not automatically be transferred from one account to another - but you can request for your insurance to be transferred over before you consolidate your accounts. If you consolidate your accounts before transferring your insurance cover, the insurance on the account you're closing will be cancelled. There are a few things to consider when consolidating your accounts.

You can also choose to change or cancel your insurance to meet your needs.

If you're affected by domestic or family violence, we'll support you.

Our Domestic and Family Violence Support Policy is to promote your safety and outlines how we can assist if you're affected by domestic or family violence.

Who to call when you need help

Your safety comes first. If you’re in danger or feel unsafe, call 000 right away.

For confidential information and support any time, call 1800 RESPECT.

You can get help interpreting or translating letters or emails from us. Please call the Australian Government's Translating and Interpreting Service (TIS National) on 131 450. It's open 24/7 (all day, every day).

We will pay if it costs money for you to use the translation service.

Or to read our website in your language, go to our Language page.

Links are provided to help you find health information and other support for culturally and linguistically diverse members, Aboriginal and Torres Strait Islander peoples: 

• Head To Health: Support for people from different cultural backgrounds
• Australian Indigenous HealthInfoNet
• Open Minds: Supporting Culturally and Linguistically Diverse people (CALD)
• WellMob: Social, emotional and cultural wellbeing online resources for Aboriginal and Torres Strait Islander People
• Embrace: Multicultural mental health