• HOSTPLUS
Insurance Updated 21 November 2011

Death and Death & TPD

Peace of mind for your loved ones

If anything was to happen to you, Death and Total & Permanent disability (TPD) insurance cover may ensure that your family are supported when you’re no longer around. In the case of Total & Permanent disability, it may also help fund medical bills or your ongoing care and daily financial needs.

How it works

Death and TPD insurance cover provides you with an insured benefit payable to either you if you become totally and permanently disabled, or to your dependants or legal representative(s) in the event of your death. This benefit is paid in addition to your super account balance. Death and TPD cover costs $1.50 per unit per week ($78 per year).

Death Only insurance cover provides you with an insured benefit, payable to your dependants or legal personal representative(s) in the event of your death. This benefit is paid in addition to your HOSTPLUS account balance. Death Only cover costs 75c per unit per week ($39 per year).

Terminal illness cover

Any death insurance also includes Terminal illness cover, which is an advanced payment of a death benefit (please please read Section 8: 'Insurance in your super' in our Member Guide for full details and a definition).

You’re in control

You can choose to cancel your cover, reduce the number of units or amount of cover you have or apply for a different number of units or amount of cover. You can apply for extra insurance of up to $3 million in TPD cover and $5 million in Death cover.

Choosing unitised or fixed cover

Unitised cover

With unitised cover your level of cover decreases as your age increases, but the amount you pay for the insurance remains the same.

When you join HOSTPLUS, your automatic Death and/or TPD cover is provided as unitised cover. 

If you wish to convert your unitised cover to fixed cover, complete the form.

View Unitised insurance cover details and costs 

Fixed cover

With fixed benefit cover, your level of cover stays the same, but the amount you pay for the insurance increases each year as you get older.

With Death and TPD fixed insurance cover, your Death cover remains fixed until age 65. Your TPD cover will reduce by 20% each year from age 61.

View Fixed benefit insurance cover details and costs

Transferring cover

You may transfer up to a maximum of $1 million Death & TPD cover from any other superannuation fund (other than a self-managed super fund) to HOSTPLUS, which will be in addition to any other cover already held with HOSTPLUS, provided your total cover does not exceed the maximum amount of $3 million in TPD cover and $5 million in Death cover in total. Complete the form to transfer your cover.

How to increase your Death & TPD cover

Apply online now or complete the Increase your insurance application form Part A and Part B (if applicable).


For detailed information about all our insurance products, please read Section 8: 'Insurance in your super' in our Member Guide.

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