Life can be unpredictable so it’s important you have a backup plan. Luckily some of your plan can be taken care of through your super.

Most of our members have insurance that’s built into their super. This means you’re automatically covered for death (including terminal illness), total and permanent disablement and, depending on your division, income protection.

Benefits of insurance through your super

Premium tax rebates

Insurance premiums receive a rebate of up to 15%

Easy to manage

You don’t need to use cash to pay for cover or worry about missing a bill – the cost is automatically deducted from your super account

Competitive offer

Your insurance is part of a policy that covers a large group of members – this means the cost is generally lower than if you took out the cover as an individual

Automatic coverage

99% of all cover is accepted without underwriting, regardless of your occupation, meaning you don’t have to go through medical checks in most instances

We love approving claims

  • In 2017 we’ve approved over 90% of claims from our members
  • Between 2014 and 2017 we supported close to 250 members replacement income while they were temporarily disabled and paid over $20 million to members who suffered a totally and permanently disabling injury or illness

Learn about insurance through your super and how it can help protect you and your loved ones in this video.

Types of cover

Income protection: can provide you with a monthly income if you become ill or injured and are temporarily unable to work. For some defined benefit members, this cover is known as disability cover or  ‘total but temporary disablement’

Total and permanent disablement (TPD) cover: can provide you with a lump sum payout to help out if you become totally and permanently disabled and can no longer work

 

Death cover: can provide your dependants with a lump sum payout if you pass away. This is also known as life insurance or “life cover”. If you are diagnosed with a terminal condition, you may be able to receive an advance payment of your death benefit as a terminal illness benefit.

Please refer to the information booklets for your division for more details on how your benefits are calculated, what you are eligible for and the conditions that apply.

Frequently asked questions

  • How do I make a claim?

    The first thing you should do is give our helpline a call (1300 362 967). They can guide you through the claims process:

    1. Call us to confirm your cover with us, the claim you’d like to make and we’ll provide you with the right forms to complete
    2. Complete the forms and send them to us
    3. Our insurer, MLC, will assess your claim and make a recommendation to us
    4. We’ll review your claim along with MLC’s recommendation and let you know the outcome
  • How long will it take to assess my claim?

    Each case is different. Claims for income protection take up to 2 months to assess once we receive your paperwork, while total and permanent disablement claims are more involved and can take up to 6 months to assess. The main reason for claims taking longer than this is because we are waiting for information from your employer, your treating doctor, or the specialists or other professionals engaged by the insurer.

    We try to do whatever we can to ensure these delays are minimised for you.

  • What documents do I need to make a disability insurance claim?

    To claim on your disability insurance you will need to provide the following documents:

    • Employee statement
    • Employer statement
    • Disability medical report(s)
    • Any other medical documentation (including workers compensation claim details)
    • Certified proof of identity

    If you are claiming for a total and permanent disablement (TPD) or terminal illness benefit you will need to supply two disability medical reports from two different doctors, at least one of these medical reports must be completed by your treating specialist.

  • Do I need a lawyer to make a claim for me?

    No. Simply give us a call and we’ll help you with the application forms. The process is the same with or without a lawyer. If you do use a lawyer your benefit will be reduced by their fees, they may charge you expenses and potentially slow the process.

    If you are worried about the process of making a claim, we can guide you through it.  Once you make a claim we are here to help you every step of the way.

  • Can a lawyer win me a larger amount?

    No. Your insurance benefit isn’t negotiable – it’s set and calculated in a specific way according to the Qantas Super division you’re in.

  • How do I change or cancel my cover?

    You can apply to increase, reduce or cancel your voluntary insurance cover at any time. Members of divisions 5, 6, 7 and 10 can also cancel their standard cover and members in the Gateway division can increase, reduce or cancel their basic cover at any time.  Fill in and return the relevant forms below and we’ll arrange it for you. If you get stuck, give us a call.

  • How do I know if I have enough insurance?

    Call us to get advice on the level of insurance cover that is right for you and your loved ones. We’ll talk through factors like your age, dependants and financial situation to work out how much cover you might need.

    You can also assess your insurance needs with this calculator:

  • What insurance do I have through my super?

    Most members automatically receive insurance through their super – including death (which includes terminal illness), total and permanent disablement (TPD) and income protection cover. This is known as standard cover (or basic cover in the Gateway division). Insurance cover differs depending on the division you’re in, so it’s important to check what you’re covered for.

    You can also take out extra voluntary cover for death or death and TPD.

  • What does my insurance cost?

    You can see how much your insurance premiums are by logging into to your account and viewing a recent statement or give our helpline a call.

    Insurance cover and costs are different depending on what division you’re in, and depend on factors such as your age and salary.

  • Can I claim on multiple policies?

    If you have more than one policy for death cover, then usually your beneficiaries will be able to claim on each policy.

    But if you have other policies for disability cover outside of Qantas Super, please be aware that your insurance benefits in Qantas Super may be subject to “offsetting”. Offsetting is commonplace in the insurance industry, so you might also want to check any other cover you have for this exclusion.

  • What are offsets in insurance?

    Offsetting in insurance is where your income protection benefit (and for Divisions 1, 2 and 3, your total and permanent disablement benefit) is reduced by other benefits or income for the same period or condition for which your insurance benefits are paid. Some common offsets include:

    • Income earned, including sick or annual leave paid to you
    • Workers compensation payments
    • Payment under Loss of Licence insurance (pilots only)

    Please refer to this guide for more information.

  • What happens to my cover when I leave employment?

    When you leave employment with the Qantas Group your super will be moved into the Gateway Division and you will become a Retained Member. As a Retained Member, your Income Protection cover will cease. You will automatically maintain the same level of standard or basic cover for death and total and permanent disablement (TPD) you had at the time of leaving employment. This cover is a fixed dollar amount and will not change with age, salary or membership, so it is important to regularly review if the cover amounts are suitable for you. Any voluntary cover you have will automatically continue.

  • What happens to my cover with Qantas Super if I choose another super fund?

    If you elect to have your future employer contributions paid to another super fund, any remaining super balance you will be moved into the Gateway Division and you will become a Retained Member. As a Retained Member, your Income Protection cover will cease. You will automatically maintain the same level of standard or basic cover for death and total and permanent disablement (TPD) you had on the date your choice of fund election is effected. This cover is a fixed dollar amount and will not change with age, salary or membership, so it is important to regularly review if the cover amounts are suitable for you. Any voluntary cover you have will automatically continue.

  • How do I update my beneficiaries for my death benefit?

    You can update your beneficiaries at any time. Non-binding beneficiary nominations can be done online, however, you’ll need to complete a form for binding beneficiary nominations.

Calculate your insurance needs

Our calculator can help you decide if you have enough insurance cover for death, disablement and income

Need help with
your insurance?

Call us to learn about the insurance you have through your super call. We can help assess how much insurance you need and work through any applications you’d like to submit for extra or reduced cover