Transfer your insurance

Super funds don’t all use the same insurer, and each have different conditions. A transfer of your insurance cover isn’t as easy as a rollover of your super fund account. So, before you complete any rollover into Vision Super, make sure you’ve moved your insurance over first (that’s if you want to keep it).

Transfer online

The easiest way to transfer your insurance 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, select “Transfer my cover” at the bottom of the page and then follow the prompts.

Transfer your cover

Step 1: 

Complete our insurance transfer form.

Insurance transfer form

Step 2: 

Attach a super statement issued within the last six months from your other super fund. The statement needs to show your current and active insurance cover.

If you don’t have a current statement, just give them a call and ask them to send or email you one.

Step 3: 

Wait for us to get in touch before you rollover your super balance and/or cancel your previous insurance cover. We will contact you to let you know if your application has been successful. Acceptance of your insurance cover transfer is subject to our insurer, MLC Life Insurance. In particular, the terms and conditions of the MLC Life Insurance cover apply, as well as any transfer of special conditions (i.e. exclusions or premium loadings).  Some limitations do apply. 

Transfer approved

If your application is successful, you will receive an amount of cover equivalent to the cover that you have with your other fund. 

Death and/or TPD insurance cover will be on top of any cover you already have with Vision Super, but income protection cover will replace your current Vision Super income protection cover if you currently have insurance cover with us.

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.