Change/cancel your cover

We know that things change, so we’ve made it as simple as possible for you to update or cancel your insurance cover to suit your situation.

Making changes after important events

There are a number of important events – what we call ‘Key Life Events’ – that may cause you to want to change your cover. If you submit an application form within 90 days of any of the following Key Life Events happening to you, you’ll find the process to change your cover simple and easy.

  • Getting married.
  • Having a baby or adopting a child.
  • Taking out a new mortgage. This must be a mortgage on your primary home. This excludes refinancing, investment property and land.
  • The death of your spouse.
  • Getting divorced.
  • Sending your child off for their first day at primary or secondary school.
  • Becoming eligible for a Carer Allowance from Centrelink.

Insurance calculators

Life changes, and so do your insurance needs. So over time, you might need to increase or decrease your insurance to suit your circumstances.

Use our insurance calculators to figure out how much is right for you.

Other changes you can make to cover

The standard waiting period for income protection cover is 60 days. You can change this waiting period to 30 days if this suits you better. 

Outside making changes to your income protection cover because of an important event (key life event) you can also increase your income protection insurance cover, if your salary increases and usually without having to provide medical evidence, within two months of the salary rise.

More information about making changes to Income protection can be found in our fact sheet

Change your insurance online

The easiest way to change or cancel your insurance cover is to log into Vision Online. Once logged in, select Insurance from the main menu and click on the “Manage my insurance” button. In the insurance management section, at the bottom of the page,  select an appropriate heading.

Make a change

Making general changes

Changes related to Key Life Events or salary increases

Transferring your insurance

  • To transfer your insurance from another fund or insurer to Vision Super, click here.

Applying for cover as a casual employee

How to cancel your cover

If you wish to cancel or reduce your cover it’s not difficult, but before you do there are a few things to be aware of:

  • Once your insurance is cancelled, you won’t be able to claim for any events or conditions that happen after the cancellation takes effect. 
  • If you cancel and then decide you want cover again, you will need to make a new application, which might require medical evidence. If your new application is approved by the insurer, it may be subject to exclusions, special conditions and/or premium loadings.
  • If you are replacing your existing cover with alternative cover, we recommend that you don’t cancel your existing cover until the replacement cover is in place.

To cancel all or part of your insurance cover you can:

  • Send us a written notification.
  • Complete an Insurance application / variation form. 
  • Log in to the secure member portal and make the request online.
  • Call us on 1300 300 820.

Please know that you do also have the option to cancel or reduce your TPD cover but retain your Death only cover.

Any cancellation or reduction of cover will take effect from the date we receive your request or the date you specified in your request, as long as it’s after the date we receive it.

If you’re unsure about cancelling, we encourage you to seek some independent financial advice.

We're here to help

You might find the answer to your question in the FAQ below. If you don’t find it there, you can call our Member Services hotline on 1300 300 820.

Also before you make any changes to your cover please consider seeking financial advice. If you would like to speak with a Vision Super financial planner you can call 1300 300 820 to make an appointment. 

Frequently asked questions

If you change your employer in most instances you can request, they pay your super into your Vision Super account. Simply fill in the Choice of Fund form and hand it in to your payroll officer.

If you have to go with your employers default super fund you may be able to keep your insurance benefits with us because your insurance cover with Vision Super doesn’t necessarily cease when you change employers (provided that you satisfy the terms and conditions contained within the relevant insurance policy).

We’d encourage you to talk to us before you engage a lawyer. Vision Super pays more than 85% of insurance claims, so the likelihood is your claim will be paid if you work with us directly, and you’ll end up with more of your money. Many lawyers advertise that they’ll work for you on a ‘no win, no fee’ basis, but if your claim is approved, they may take a large chunk of your payout – it can be around 30% of an entitlement. Our insurance team is here to help you through every step of the claims process, including all the paperwork, without having to get a lawyer involved and potentially losing money you need to pay for medical treatment or maintain your lifestyle.

Call us on 1300 300 820 and we will answer any questions and send you the required information.

Yes, you can cancel your cover at any time. Any cancellation or reduction of cover will take effect from the date we receive your request or the date you specified in your request (as long as it’s after the date we receive it). If you are replacing your existing cover with an alternative cover, before cancelling we recommend that you have your replacement cover in place first. To talk to us about cancelling a policy, please call us on 1300 300 820.

If you are thinking about changing your insurance please consider seeking financial advice before making any changes to make sure it is right for you and your needs and circumstances.


You may be able to get cover if you have a pre-existing medical condition. You will just need to apply to remove the pre-existing condition exclusion when you join by filling in a Personal Statement. Our Insurer will review your application taking into consideration any pre-existing conditions and general health and advise if your request has been accepted.

If your application is unsuccessful,  there will be a two-year Pre-Existing Condition (PEC) exclusion on Death and TPD cover and Income Protection cover. This means that no benefit will be paid if you are totally and permanently disabled, terminally ill or die as a direct or indirect result of a pre-existing medical condition in the first two years of your insurance cover.

You can have multiple income protection policies, and there are legitimate reasons why people choose more than one product.

However, some income protection policies prevent claimants from receiving more than a certain percentage of their gross salary while off work. What that means is you could have three income protection policies that all offer payments equalling 75 per cent of your gross salary, but you wouldn’t be able to claim the full amount from all three. You would typically be limited to a combined maximum of 75 per cent across the policies.

Already a Vision Super member?

The great news is you can now open your pension account online through the secure site.

Not a Vision Super member?

You’ll just need to open a Vision Personal account first and then you can transfer across to a Vision Super pension.