How to Check if You Have Insurance Through Super in Australia

What insurance can be inside your super?

According to Moneysmart, super funds typically offer:

• life cover
• TPD cover
• income protection cover in some cases

That means your super may be more than just a retirement balance. Depending on your fund and policy, it may also include insurance designed to help if you die, become permanently unable to work, or temporarily cannot work due to illness or injury.

How to check if you have insurance through super

The simplest ways to check are:

• log into your super account online
• review your annual statement
• look for your insurance summary or policy information
• contact your super fund and ask what cover is attached to your account

When you check, look for:

• the type of cover
• the amount of cover
• whether the cover is active
• whether there are any exclusions, waiting periods, or conditions that apply

A key call-out: over 25 and more than $6,000 in super?

This is one of the most important things to understand. Moneysmart says if you were over 25, had more than $6,000 in super, and were receiving employer contributions, it may be worth checking whether your account included insurance cover.

That does not guarantee cover. Every fund and policy is different. But it is a strong enough sign that many Australians should check rather than assume there is nothing there. Moneysmart also says most super funds offer life and TPD insurance, which is why this question matters so much.

Lost or forgotten super accounts can matter too

Another big reason people miss insurance is simple: they have had more than one super account over the years. The ATO says you can use ATO online services to keep track of your super and find accounts you have forgotten or lost touch with. The ATO also explains that you can check for active super, lost super, and ATO-held super in one place.

That means your current fund may not be the only account worth looking at. An older fund from a previous employer may still be relevant when reviewing whether insurance existed or whether a claim pathway may need to be explored.

Important: insurance in super can end

Checking early matters because cover does not always stay active forever. Moneysmart says insurance on inactive super accounts can be cancelled if the account has not received contributions for at least 16 months.

So even if you once had cover, things may have changed if:

• you changed jobs
• contributions stopped
• you rolled your super into another fund
• you had an account become inactive

What if you have stopped working because of illness or injury?

If your health has affected your ability to work, it may be worth reviewing whether your super includes:

• TPD cover
• life insurance-related benefits
• income protection cover in some funds

Moneysmart says TPD insurance can pay a lump sum if you become totally and permanently disabled due to illness or injury. It also notes that different policies can use different definitions, so the wording of the cover matters.

ClaimSure's process

At ClaimSure, we keep the process simple.

1. Complete the form

Start with a quick Free Claim Check and tell us a little about your situation.

2. We call to confirm your circumstances

We speak with you to understand your work history, health circumstances, and what kind of support you may need.

3. We help identify your super accounts

We help review your current super and any lost or forgotten accounts that may need to be checked.

4. We review your potential options and next steps

We help you understand whether there may be a life insurance claim, TPD-related pathway, or early access to super option worth exploring.

What about early access to super?

Early access to super is a separate issue from insurance through super, but it can still matter for some people. The ATO says early access is only available in very limited circumstances, including compassionate grounds, severe financial hardship, terminal medical condition, temporary incapacity, and permanent incapacity.

That is why the safest approach is to review your position properly rather than assume you qualify.

Start with a Free Claim Check

If you have stopped working due to illness or injury, or you simply do not know what sits inside your super, it may be worth checking now.

A Free Claim Check can help you:

• review your situation
• identify relevant super accounts
• understand whether insurance through super may exist
• see whether there may be a life insurance or early super option worth exploring

Start your Free Claim Check and find out where you stand.