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Calculate insurance premiums and cover

Use this calculator to estimate your insurance cover and how much it could cost.

You can use this calculator to estimate:

  • your base level death and Total & Permanent Disablement (TPD) cover and premiums.
  • the cost of any additional cover - you can apply for any amount of death cover and depending on your arrangement and eligibility conditions, you may be able to apply for up to $5 million TPD cover. If you are in a defined benefit arrangement, please read the note below.
  • your level of income protection cover and premiums.

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Premium loadings

A loading (or increase) may be applied to a member's insurance premium if there is a higher than average probability that a claim will be payable in the future due to factors such as occupation, health or lifestyle. Our insurer TAL will assess these factors based on information supplied via the insurance application process. It is calculated by a percentage increase on the standard annual Top-up premium rate. Premium loadings are relatively common and enable insurers to provide cover in situations where there is an increased risk of health issues. 

More information on how loadings work and the definitions of the occupation classes can be found here

Where to from here?

To find out more about comprehensive and affordable insurance options with TelstraSuper click on the Insurance tab at the top of this page.

  • to check your current level of insurance cover, log in to SuperOnline and click on Insurance details
  • complete the Insurance Telephone Application Request to apply for or increase your insurance cover over the phone
  • to apply to transfer external death or death and TPD insurance to your TelstraSuper account, complete an Transfer External Insurance Application (not available to members of TelstraSuper RetireAccess)
  • to apply for additional death or death and TPD cover upon the occurrence of a specified Life Event, complete a Life Event Insurance Application (not available to defined benefit members or TelstraSuper RetireAccess members)

For assistance with your insurance requirements over the phone, call us on 1300 033 166 or fill in our online contact form.

Please note:

  • any insurance cover you request may be subject to assessment and approval by us and our insurer TAL
  • this calculator rounds user-entered salary and cover amounts to the nearest $1,000 and, as such, the resulting cover and premiums amounts quoted are estimates. For personalised details of your insurance cover, log into SuperOnline.
  • the premiums quoted in this calculator are white collar rates and do not take into account occupational loadings.
  • if you're unsure about your employment status, please check with your employer
  • the premiums quoted in this calculator don't take into account any other insurance cover you may hold
  • your age next birthday as at last 1 July is used  when calculating insurance premiums
  • if you're in a defined benefit arrangement, to estimate your annual cost for top-up death cover (of any amount) and TPD cover (up to $5 million) you'll need to know your base level of insurance cover (which is currently paid for by your employer). To obtain this information, log in to SuperOnline or call Member Services on 1300 033 166
  • if you're a Foxtel employee who transferred from Austar on 1 July 2015, with an age next birthday of 53 to 60, please log in to SuperOnline to obtain your current cover and premiums or call us on 1300 033 166.

Terms of use

The assumptions and information provided in this calculator are given in good faith and have been derived from sources, believed to be correct and reliable as at 1 July 2018. However, as the assumptions and information may change, Telstra Super Pty Ltd gives no warranty or guarantee as to the accuracy or the reliability of the information in, or provided by, this calculator. The validity of the estimates depends on the appropriateness of the assumptions and the accuracy of the data entered by you. To the extent permitted by law, Telstra Super Pty Ltd is in no way liable for any loss or damage caused by your reliance on information obtained by using this calculator. This calculator provides estimates only and should not be relied on for the purposes of making any decisions in relation to your super. We recommend you seek financial advice from Telstra Super Financial Planning Pty Ltd prior to making any decisions.