To change your cover you can either: Choose one of our premixed insurance options below, or customise your own blend of Death Cover, Income Protection Cover and Lump-Sum TPD Cover.
|
|
|
|
| Option 1 (default insurance cover) |
Two units of Death Cover plus two units of
Income Protection Cover |
Up to $170,000 Death Cover with payment available until age 70 (benefits decrease from age 36) Plus Up to $850 per month IP Cover with benefits to age 60 with a 90-day waiting period |
$3.00
|
| Option 2 |
Two units of Lump-sum Total
and Permanent Disablement (TPD) Cover
plus two units of Death Cover |
Up to $170,000 Death Cover with payment available until age 70 (benefits decrease from age 36) Plus Lump-Sum TPD Cover until age 70 equivalent to that provided by each unit of Death Cover |
$2.90
|
| Option 3 |
Two units of Death Cover plus two units of Lump-Sum Total and Permanent Disablement (TPD) Cover plus two units of Income Protection (IP) Cover with benefits for up to two years only |
Up to $170,000 Death Cover with payment available until age 70 (benefits decrease from age 36) Plus Lump-Sum TPD Cover until age 70 equivalent to that provided by each unit of Death Cover Plus Up to $850 per month IP Cover with benefits for up to two years only, until age 60, with a 90-day waiting period. |
$3.40
|
Please note that the definition of total and permanent disablement under Options 2 and 3 requires disablement from "any occupation". IP Cover under Options 1 and 3 uses an "own occupation" definition. See
definitions for details.
Personal
Super Plan Members: cover under all three options is subject to New Events restrictions, which you can apply to remove using
Your HESTA insurance guide.