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We’re pleased to announce from 1 January 2018 your insurance with Vision Super is moving to MLC Life Insurance. We’ve locked in premiums so for the vast majority of members there will be no increases for the next three years – that makes six years running without a premium increase for the majority of our members.

For more information on the partnership please refer to the media release and the frequently asked questions.



Our commitment to you

Vision Super will start to implement the Insurance in Superannuation Voluntary Code of Practice from its commencement on 1 July 2018.

We are doing this because we believe it will help our members to better understand and make more informed choices about their insurance cover.

Your cover

Getting cover is easy. When you join Vision Super Saver, you're automatically given death and total & permanent disability (TPD) and income protection insurance (subject to the eligibility criteria).

You're free to apply to change your level of cover at any time (you might need to provide health information).

Most Australians are underinsured - are you one of them?

Your insurance cover can significantly affect you and your family's wellbeing in the case of your death or disability. The amount of insurance you need depends on your assets (savings, property and valuables) and commitments (mortgage repayments, children's school fees, family living costs, etc). 

Vision Super provides three types of insurance cover and offers the flexibility to choose the amount of cover to suit your unique needs.

Death cover provides your estate or beneficiaries with a benefit if you die.

Death and total & permanent disability cover provides you with a benefit if you die or are permanently disabled.

Income protection cover provides you with an income for up to two years if you can't work due to illness or injury*, or you can change your payment period from two years to pay you to age 65.

*The payment of death, TPD and/or income protection benefits is subject to the terms and conditions of the applicable insurance policy/policies.

Why insure with us?

Why insure with us?

When your insurance cover is supplied through your super fund:

  • Premiums are paid from your super account – so you don’t have to find the money from your take home pay.
  • You can choose to increase your super contributions to cover the premium costs.
  • Generally, death benefit payments are paid to dependants tax-free.

Why update your insurance?

Why update your insurance?

Your life changes and so do your insurance needs. The amount of insurance you need depends on your assets (savings and valuables) and commitments (mortgage repayments, children's school fees, family living costs etc). Try our insurance calculators to see how much cover you need.

Guaranteed insurability

Guaranteed insurability

You can increase your insurance cover to either twice your existing death and disability cover, or by $200,000 (whichever is lesser) usually without having to provide medical evidence within 90 days of one of these ‘Key life events’ happening:

  • Get married
  • Have a baby or adopt a child
  • Take out a new mortgage - must be your primary home. Excludes refinancing, investment property and land 
  • Death of your spouse
  • Get divorced
  • Send your child off for their first day at primary or secondary school
  • Become eligible for a Carer Allowance from Centrelink

You can shorten your income protection waiting period to 30 days (if it is currently 60 days) or if your salary is out of date, you can increase your cover by up to 25% of your existing sum insured, subject to the maximum monthly benefit of $30,000. To increase your cover you must apply within 60 days of a Key Life Event. To find out more click here.

Important: You must write to us within 90 days after one or more of the Key Life Events occur to make a change without filling in extra paperwork. 

Need to make changes to your cover?

Need to make changes to your cover?

Increase, reduce or cancel your insurance cover by completing the appropriate form(s) below:

If you need help updating your insurance, you can call us on 1300 300 820. You can also email us.

Salary increases

Salary increases

You can increase your income protection insurance cover, usually without having to provide medical evidence, within 2 months of an increase in your salary. To find out more click here.

Vision Super's insurance beliefs

At Vision Super, our members are always at the centre of everything we do. Insurance is designed to give our members peace of mind when life is going smoothly, and to provide a level of financial support when they need it most. We always endeavour to provide insurance designs that are equitable for all our members.

We follow these eight insurance beliefs:

  • 1. Safety net

    We believe in providing default cover that provides a reasonable safety net for members who have not chosen - or who are unable to take out - life or disability insurance individually.
  • 2. Flexibility

    We believe that our group policy should be understandable and flexible enough to meet members’ needs right across their life.
  • 3. Sustainability

    We believe we have a responsibility to balance our vision of helping members achieve the best possible retirement outcome and recognising that insurance premiums can erode members’ final retirement benefit.
  • 4. Education

    We believe that education is essential to help our members better engage and be more aware of their benefits.
  • 5. Assessment

    We believe that Income Protection, Total and Permanent Disability and Death claims must be assessed objectively based on their merits.
  • 6. Eligibility

    We believe that member insurance claims should be paid by the insurer, subject to meeting eligibility requirements and medical condition thresholds set out in the insurance policy.
  • 7. Fairness

    We believe claims without merit must be identified and not paid to avoid unnecessary premium increases for the broader membership.
  • 8. Trust

    We believe when delivering insurance to our members we should partner with a trusted and ethical organisation.



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