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

Most members receive insurance automatically when they join HESTA. 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

  • Default Income Protection (IP) Cover right up to the Pension age of 67
  • Default Death Cover – up to 75 years
  • Optional lump-sum Total and Permanent Disablement (TPD) Cover to age 70
  • Up to 12 months free cover during parental leave (some conditions apply)



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 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)


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.

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Make a claim

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

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Insurance cover calculator

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

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need insurance advice?

We have trained advisers 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.