Do you have insurance with Hostplus?

If you join Hostplus through a participating employer, you’ll usually get automatic death and total and permanent disability (TPD) cover if you are over 25 years old and have $6,000 or more in your super account. Cover for death and TPD with Aware Super is generally offered until age 65. 

Some occupations are excluded from the default Hostplus TPD insurance offer.

Hostplus does offer income protection insurance, but it is not offered by default, meaning you must have opted-in to IP cover. Sadly, most people we speak to realise too late that they needed IP cover. 

Thankfully, most Hostplus members we speak to have total and permanent disablement cover to help them with a potential large lump sum benefit at a difficult time. 

To make a successful Hostplus TPD claim, you need to be off work for at least 6 months, and then convince its insurer that you are unlikely ever to be employed or engaged in any gainful occupation, business, profession or employment for you are reasonably suited by education, training or experience.  

Hostplus also offers terminal illness claims if you are medically certified as having a condition likely to result in your death within 24 months. 

It’s also worth noting that if you were a Club Super, Intrust Super and/or Statewide Super member and ceased work prior to merging with Hostplus, you may have different insurance entitlements with different insurers.