Your cover

From 1 March 2021 there’ll be changes to the benefit payment periods and fees for your insurance cover. Find out more

we've got you covered

Super is a great way to finance the lifestyle you want when you retire. But having insurance is an important way to help safeguard your quality of life – right now.

Insurance is changing

Find out about the changes to insurance from 1 March 2021.

Easy does it

Members receive automatic insurance with HESTA when they become eligible. It’s paid out of your super account, so you don’t have to dip into your weekly budget to pay for fees or remember to renew each year.



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In a nutshell

  • standard Income Protection (IP) Cover right up to the Pension age of 67
  • Death Cover – up to age 75 years
  • optional lump-sum Total and Permanent Disablement (TPD) Cover to age 70
  • up to 12 months fee-free cover during parental leave (some conditions apply)
  • a Permanent Incapacity Support Benefit of $10,200 to eligible members
  • a reduced insurance fee for those members who meet certain occupational criteria.
For a summary of Standard Cover through HESTA, download this fact sheet.

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Help when you need it most

HESTA members have direct access to our partner, the Welfare Rights Centre which is there to provide legal assistance when you're off work and need financial help. 


Cover starts automatically the day you are:

  • aged 25 or over;
  • have had a balance of $6,000 since joining; and 
  • your account is active.

You can tell us you want cover earlier. Read Insurance options for more information.


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cover that stays with you on parental leave

When you take out insurance with HESTA, we won’t charge insurance fees for your cover while you take up to 12 months of approved parental leave, saving you money when you'll likely need it most (conditions do apply). Find out more here.




What are your options?

Consider whether the insurance provided meets your personal needs. If your circumstances or financial commitments change, it's a good idea to review your insurance cover. You can do this at any time in your online account.

Making changes to your cover

You can increase or decrease your insurance cover at any time by logging into your online account and selecting 'Insurance'
Your insurance dashboard allows you to:
  • calculate your insurance needs
  • obtain a quote on the insurance selected, and
  • directly apply to increase your cover.
Prefer paper and pen?
  • Reduce your cover using this form and sending it back to HESTA.

Cancelling your cover

If you decide to cancel your cover, insurance fees will stop being deducted from your account and you won't be able to make a claim from when your cover ceases.
You can cancel your cover by one of the following options:
If you decide you want cover to recommence, you will have to complete a full insurance cover application (go to the insurance tab in your online account), which will be assessed by our insurer.





Joined HESTA within the last six months and under 55 years of age?

Industry members
You may be eligible to increase your standard cover by up to six units by answering five short personal health statements.
Personal Super members
You may able to remove your New Events restriction on your Standard Cover.



here for you

If you have to make a claim on your insurance the last thing you need is for things to be difficult. We get it. That's why - if your claim isn't approved - we step in to investigate the decision with the insurer on your behalf, so you're not on your own.

Insurance Options

HESTA members can access low-cost, flexible insurance to protect your most important asset - you.

Learn more

Make a claim

We support members through every step of the claims process, with independent experts available to help.

Learn more

Insurance cover calculator

Use our insurance cover calculator to help you decide how much and what kind of cover you need.

Learn more

Need insurance advice?

Our advisers are ready to talk to you over the phone or in person to help assess your insurance needs.

Join us

Everyone deserves the best possible retirement. And we want to help you save for the future that you want.