Insurance and inactive super accounts
If your account doesn’t get a contribution or rollover in 16 continuous months, we’ll automatically cancel your insurance after giving you notice. This is part of the Government’s Protecting Your Super package, which stops you paying for insurance cover you don’t need.
Keep your insurance active
When you don’t receive regular contributions, there are a few simple ways you can keep your insurance active. Just remember to consider what’s appropriate for you and your needs because everyone’s situation is different.
Grow
Direct your employer to pay into your UniSuper account or make a personal contribution.
Restore your cancelled cover
You can apply to reinstate your cover if it was cancelled due to:
• no contributions or rollovers in 16 continuous months, or
• not enough money being in your account to pay your premiums.
You’re eligible to reinstate your cover if you’re:
• under the age your cover ceases (75 for Death cover, 70 for TPD cover, and 67 for Income Protection)
• working, or capable of working, in your usual occupation on a full-time basis free from any limitation due to injury or illness
• not receiving or entitled to receive income support benefits relating to injury or illness from any source
• able to pay all premiums for your cancelled cover period
• not claiming, entitled to or have been paid a Total & Permanent Disablement (TPD) or terminal illness type benefit from any super fund or insurance policy.
If you’re eligible, your reinstated cover will be the same type and level as the cover that was cancelled. This includes the same restrictions, conditions and loadings.
To apply to reinstate your insurance, complete the Reinstate insurance form (PDF, 547 KB) and return it to us within 90 days of the date your cover ended.
Apply for cover again
If you’re not eligible to reinstate your insurance, you can still apply for insurance again by logging in to your online account.
You may need to provide health evidence to our insurer.
Have a question about keeping your insurance? Call 1800 331 685 8:30am–6pm (AEST) Monday to Friday or email us.