• HOSTPLUS
Insurance Updated 30 October 2011

Insurance in your super

We’ve got you covered

An accident or illness can disrupt even the most carefully laid plans. So we’ve designed a range of high-value low-cost insurance options. 

At HOSTPLUS we have you covered by giving all eligible members automatic (default) insurance cover and the control to choose the types and levels of insurance you need, within our set limits. 

Find out more about our default insurance cover

Why have insurance in your super?

Having insurance as part of your super, means the premiums (or costs) are deducted directly from your super account, not your day to day expenses or out of your pocket. You’ll find our insurance is great value because we have the buying power of close to 1 million members, and can negotiate the best rates from our insurer, OnePath Life Limited (ABN 33 009 657 176). 

It’s also a requirement of Super Choice law for employers to choose a default super fund that provides insurance to members.

Why insurance is important

Preparing for what happens when things go wrong is never easy. We can help you understand why you may need more insurance than you think, what to consider when deciding how much insurance you need and nominating beneficiaries. 

Find out how important the right insurance could be 

Salary continuance (income protection) insurance cover 

Salary Continuance insurance helps protect your income if you are unable to work temporarily through illness, injury or accident. You have the choice of cover with a 30, 60 or 90 day waiting period and to receive regular monthly payments for up to two years or up to age 65 to help you meet your living expenses. 

More about Salary continuance cover

Death and Total & Permanent Disability (TPD) or Death Only insurance cover 

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 personal representative(s) in the event of your death. Any Death insurance also includes Terminal illness cover at no extra cost. 

More about Death & TPD and Death only cover 

Cover that keeps up with you

To help ensure your insurance keeps up whenever you take a big step forward – like buying a home or starting a family – Specific life events cover allows you to increase your cover simply and without the need to complete lengthy paperwork. 

Find out more and view a full list of life events 

Special insurance offer for new members

When joining HOSTPLUS, as a one-off special offer to new employer sponsored members, you have the opportunity to increase your Death and TPD insurance cover without providing a full health statement and/or apply for Salary continuance cover. 

Please read Section 8: ‘Insurance in your super’ in our Member Guide for more details. 

This offer is only available to new members, who don't currently have an existing membership with HOSTPLUS or in any other HOSTPLUS product. 

You can also transfer any existing Death and/or TPD or Salary Continuance insurance cover you have with a another super fund to HOSTPLUS. 

Join HOSTPLUS now

Are you travelling overseas?

If you travel or reside overseas, you are covered for insurance claims, provided your premiums continue to be paid and you have enough money in your super account to pay them. 

Please read Section 8: ‘Insurance in your super’ in our Member Guide for more details, particularly in relation to Salary continuance insurance cover when overseas. 

Travel insurance is also a good idea when travelling and, if you’re eligible, you can get discounted domestic and international travel insurance when you join the HOSTPLUS TravelClub. 

Health insurance

Without health insurance, looking after yourself could cost a lot more than you realise. 

Take advantage of our special rates for hospital and extras cover through HCF. 


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

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