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.
In a nutshell
- standard Income Protection (IP) Cover to age 67 with a benefit payment period of up to five years
- Death Cover up to age 75
- optional lump-sum 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.
Help when you need it most
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.
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
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
- 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 the Insurance alteration form (pdf) and sending it back to HESTA.
Cancelling your cover
- log into your online account and select 'Insurance'
- contact us on 1800 813 327
- email your request to cancel your insurance at hesta@hesta.com.au
- complete the Insurance alteration form (pdf) and send it back to HESTA.
here for you
Insurance options
HESTA members can access low-cost, flexible insurance to protect your most important asset - you.
Make a claim
We support members through every step of the claims process, with independent experts available to help.
Insurance cover calculator
Use our insurance cover calculator to help you decide how much and what kind of cover you need.
need insurance advice?
Join us
Everyone deserves the best possible retirement. And we want to help you save for the future that you want.