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.


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

  • default Income Protection (IP) Cover to age 67 with a benefit payment period of up to 5 years
  • Death Cover up to age 75 
  • optional Total and Permanent Disablement (TPD) Cover to age 70
  • 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 Default Cover through HESTA, see the Insurance in super fact sheet (pdf)

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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. 


If you have chosen insurance cover, it can start 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 (pdf) 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, keeping more in your super to support you and your growing family (conditions apply). Learn more about fee-free insurance cover.




your insurance options when you first join HESTA


If you joined as a HESTA member within the last 90 days

You may be eligible to increase the Default Cover to up to 12 units and remove the New Events restriction on your cover by answering a short personal health statement.

See if you're eligible 

If you joined as a Personal Super member and chose to have Default Cover

You may be able to remove the New Events restriction on your cover.

See if you're eligible 





what are your other 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:
  • obtain a quote on the insurance selected, and
  • directly apply to increase your cover.
Prefer paper and pen?



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:







here for you

If you have to make a claim on your insurance, the last thing you need is more stress. 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.

Insurance options 

Make a claim

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

Make a claim 

Insurance calculator

To find out how much insurance you may need, use the insurance cover calculator.

Calculate your insurance needs 



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.