Australian superannuation plans also don’t normally include serious or critical illness insurance.
To work out if you need extra cover, check the insurance you have through your superannuation fund or employer.
For income protection insurance
Yes. You can decrease your cover (subject to the minimum Sum Insured or premium requirements) at any time by contacting us. You can apply to increase your cover (up to the maximum amount, up to75% of your income to a maximum of $10,000* per month) at any time. To increase your cover you may need to answer some additional health and lifestyle questions.
Contact us to get a claim form:Phone: 1800 069 922
PO Box 5595
St Georges Terrace, Perth WA 6031
To process the claim we may need additional information. We will advise you if this is required.
Here is an online calculator that may be able to help you.
For income protection insurance, the level of cover available is limited to 75% of your Pre-Disability Income, to a maximum of $10,000 per month.