Insurance

Getting cover is easy. When you join Vision Super Saver, you're automatically given death and total & permanent disability (TPD) and income protection insurance (subject to the eligibility criteria).

You're free to apply to change your level of cover at any time (you might need to provide health information).

Most Australians are underinsured - are you one of them?

Your insurance cover can significantly affect you and your family's wellbeing in the case of your death or disability. The amount of insurance you need depends on your assets (savings, property and valuables) and commitments (mortgage repayments, children's school fees, family living costs, etc). 

Vision Super provides three types of insurance cover and offers the flexibility to choose the amount of cover to suit your unique needs.

Death cover provides your estate or beneficiaries with a benefit if you die.

Death and total & permanent disability cover provides you with a benefit if you die or are permanently disabled.

Income protection cover provides you with an income for up to two years if you can't work due to illness or injury*, or you can change your payment period from two years to pay you to age 65.

*The payment of death, TPD and/or income protection benefits is subject to the terms and conditions of the applicable insurance policy/policies.

Why insure with us?

Why insure with us?

When your insurance cover is supplied through your super fund:

  • Premiums are paid from your super account – so you don’t have to find the money from your take home pay.
  • You can choose to increase your super contributions to cover the premium costs.
  • Generally, death benefit payments are paid to dependants tax-free.

Why update your insurance?

Why update your insurance?

Your life changes and so do your insurance needs. The amount of insurance you need depends on your assets (savings and valuables) and commitments (mortgage repayments, children's school fees, family living costs etc). Try our insurance calculators to see how much cover you need.

Guaranteed insurability

Guaranteed insurability

You can increase your insurance cover to either twice your existing death and disability cover, or by $200,000 (whichever is lesser) usually without having to provide medical evidence within 60 days of one of these ‘Key life events’ happening:

  • Get married
  • Have a baby or adopt a child
  • Take out a new mortgage - must be your primary home. Excludes refinancing, investment property and land 
  • Death of your spouse
  • Get divorced
  • Send your child off for their first day at primary or secondary school
  • Become eligible for a Carer Allowance from Centrelink
  • Get a promotion with a pay increase of at least 20%.

You can shorten your income protection waiting period to 30 days (if it is currently 60 days) or if your salary is out of date, you can increase your cover by up to 25% of your existing sum insured, subject to the maximum monthly benefit of $30,000. To increase your cover you must apply within 60 days of a Key Life Event or two months of a salary increase. To find out more click here.

Important: You must write to us within 60 days after one or more of the Key Life Events occur to make a change without filling in extra paperwork. 

Need to make changes to your cover?

Need to make changes to your cover?

Increase, reduce or cancel your insurance cover by completing the appropriate form(s) below:

If you need help updating your insurance, you can call us on 1300 300 820. You can also email us.

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