Calculate your insurance needs
Use the insurance cover calculator to find out how much insurance you might need. This handy tool compares your current cover to what you might need. It covers Death, TPD, and IP Cover.
Calculate your coverinsurance cover with HESTA
Having insurance cover can help protect you and your family if something unexpected happens. At HESTA, we offer competitive, flexible insurance cover through your super — including Death (and Terminal Illness), Income Protection (IP), and Total and Permanent Disablement (TPD).
As a HESTA member, you get Default Cover automatically. This includes 2 units of Death Cover and 2 units of IP Cover. You don't need to apply or choose anything — as long as you're eligible and haven't opted out.
Insurance fees are waived for up to 12 months if you take employer-approved parental leave (24 months if your baby is born before 37 weeks), so more may stay in your super when you need it most.
insurance cover options
We know that everyone’s needs are different. That’s why we offer different types of cover you can mix and match to suit your needs.
Income protection cover
Provides a regular monthly payment if you’re sick or injured and can’t work.
Total and Permanent Disability Cover
Pays a lump sum if you’re seriously ill or injured and can’t work.
Terminal Illness Cover
Part of your Death Cover. You may be able to access your Death Cover insurance benefit, your super account balance, or both.
Death Cover
Pays a lump-sum payment to your nominated beneficiaries or estate when you die.
Check your cover
Not sure if you have insurance cover? You can easily view any cover you have in the Insurance section of your online account.
Increase your cover
You can apply to increase your cover* at any time to better suit your needs, or if your circumstances change. There are two ways to increase your cover.
Anytime Voluntary Cover Offer | Voluntary Cover |
HESTA members can apply for more cover. You can have up to a total of 6 units of Death Cover (including existing cover) and/or up to a total of 12 additional units of IP Cover. You’ll need to answer a few health questions to apply. You’ll also need to choose:
Apply through the AIA Insurance portal via your online account.
| If you’re a HESTA Super or HESTA Personal Super member, you can apply for voluntary Death, TPD and IP cover. You can do this by completing the insurance cover application through your online account. Applying to increase your cover may be subject to underwriting. Underwriting is the process insurers use to assess your insurance application. It helps them understand the level of risk you present, now and in the future, based on:
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When you apply for, or increase your insurance, you need to give full and honest information about your health. This gives the insurer the information they need, and ensures your cover is right for you. It also helps avoid issues if you ever need to make a claim.
Note: if you cancel your cover, insurance fees will stop and you won’t be able to claim for anything that happens after your cover ends.
Apply to increase your cover >
* Subject to the insurer’s approval
Transfer your cover
If you have Death, Total and Permanent Disablement (TPD), or Income Protection (IP) cover with another super fund or a personal insurance policy, you may be able to transfer it to HESTA. Once you transfer your cover, it will follow our terms, costs, and conditions, even if they’re different to your old policy. Any existing exclusions or restrictions will also still apply.
Before you apply, it’s a good idea to compare your current cover with what HESTA offers. Check things like the cost, the definitions used for claims, and any waiting periods. This can help you decide if transferring is the right choice for you.
Wait until your insurance transfer is approved and has started before cancelling your existing cover.
You can apply to transfer for insurance cover by filling out the Insurance transfer form and returning it to us.
Apply for insurance fee waiver on parental leave
As a HESTA member, you may be eligible to get a 12-month break from paying insurance fees while on parental leave. This doubles to 24 months if your baby is born early (before 37 weeks).
To be eligible, you need to:
- be employed by an employer (not self-employed),
- have your parental leave approved by your employer, and
- have active insurance cover.
To apply, log in to your online account, go to the ‘Insurance’ tab, and then to the AIA portal.
Find out more about parental leave insurance fee waiver eligibility and how to apply in the Parental leave factsheet.
Supported workers
A supported worker is a person with a disability, brain injury, or similar condition. Their employer gives them extra help to do their tasks.
When super contributions are low, insurance fees can affect your balance. Supported workers, or their Power of Attorney, can reduce or cancel cover using the Supported workers insurance alterations form.
need help understanding insurance?
You can use our calculator to help estimate the cover you might need or speak to one of our super experts.
Get help understanding insurance
If you need some guidance to figure out insurance cover to suit your needs, our team of advisers can help you over the phone or in person.
Make a timenot a HESTA member yet?
It’s quick and easy to join. In just a few minutes, you’ll be on your way to facing the future with confidence.
make an insurance claim
We know that dealing with things like insurance claims during a difficult time can add to the stress. We aim to make it as easy as possible. Our team will guide you through each step. If your claim isn’t approved, our team will investigate the decision with the insurer for you.
Income Protection (IP) claim
IP Cover pays regular monthly payments if you get sick or injured and can’t work. You need to have IP Cover and be under age 67 (the cover expiry age).
Total and Permanent Disablement (TPD) claim
TPD Cover pays a lump sum if you can’t work anymore because of a serious illness or injury. You need to have TPD cover and be under age 70 (the cover expiry age).
Terminal Illness (TI)
claim
If you have Death cover and you’re under age 75, you may be eligible for a terminal illness insurance benefit.
Death claim
A death benefit is money paid from a member's super account after they die. It can include their super balance, and money from insurance held in their HESTA account.
support and guidance
Speak to a super expert
Our super consultants are ready to talk to you over the phone or in person. They can help assess your insurance needs.
Make a time to talk
Insurance options guide
Find out more about your cover options and how to apply.
Insurance options (PDF)
Got a question or need help?
Our friendly customer service team are right here to help whenever you need.
Get in touch
Check your insurance cover
It’s quick and easy to check any insurance cover you have in your online account.