Changing your insurance cover

Depending on the membership category you're in, you can increase or decrease your insurance cover, or cancel your Death and Total and Permanent Disablement (TPD) insurance cover. You can also apply for Income Protection cover or make changes to your waiting period and/or benefit period.

You may also be able to transfer any other insurance cover you have to your TelstraSuper account.

Before making changes to your cover you should:

  1. read the relevant PDS and Insurance Guide for your membership category.
  2. log into SuperOnline to confirm what insurance you have.
  3. use our calculator to see what your new premiums will be.

Increase your Death & TPD cover and / or change Income Protection cover

Complete the Insurance Telephone Application Request form to:

  • Increase your Death and TPD cover, and/or
  • Change your waiting periods or apply for Income Protection cover

Change your insurance

You can either mail the completed form back to us or email it to underwriting@telstrasuper.com.au. You will then be contacted by a TAL Tele Service consultant at a scheduled time, who will guide you through the insurance cover application.  This phone call can take between 30-45 minutes, depending on your responses to the medical, health and lifestyle questions.

Note this form is not for cancelling insurance - see below for how to cancel your insurance. 

Premium loadings

A loading (or increase) may be applied to a members 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.

Life events cover

You can apply for additional Death or Death and TPD cover without providing medical evidence, following a specified Life Event such as getting married or divorced, having a baby, buying a house and other significant events. 

Find out more

Cancel or reduce your cover

To reduce or cancel your existing insurance cover you can:

  • call us on 1300 033 166; or
  • send an email to underwriting@telstrasuper.com.au letting us know you want to cancel your cover - please provide your membership number and contact details in the email; or
  • fill in this form and either email, fax or mail back to us.

It's important to note that if you cancel any insurance, including any base* cover, and wish to reapply at a later date, evidence of your occupation, health and lifestyle will need to be provided to TAL for assessment. TAL may place an exclusion or premium loading on cover or may decline cover as a result of their assessment.

Transfer your cover

If you have insurance cover (including Death & TPD) with another super fund, you can apply to have it transferred across to TelstraSuper. 

You can transfer up to $2,000,000 in Death & TPD cover by completing the Transfer External Insurance Application. For more detailed information refer to the relevant Insurance Guide.

Keep in mind certain occupations are not eligible for insurance transfer. So don't cancel your existing cover until you receive written confirmation that your insurance has been transferred.

* Subject to the 'At Work' requirement and other eligibility criteria, conditions and exclusions contained in the Policy.

the calculator provides quotes for white collar occupational ratings only

Need help with your insurance cover

At TelstraSuper we’re here to help you build a secure financial future. If you’d like to discuss your insurance or if you have any other financial advice queries contact us on 1300 033 166 or fill in our online contact form.  There’s no additional charge for our phone based service as this is included in your TelstraSuper membership. 

Online contact form