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Peace of mind in trying times.

Planning for the unexpected is a necessity of life. Ensure you’ve taken care of your loved ones should the unthinkable happen.

Ensure your family’s security throughout life’s unexpected events

You spend all your life working toward your dreams. Our focus is to build safety and security for our families. However, if an accident at work or sudden illness strikes, we can be caught unaware. But there is a way to stay in control.

Planning for the future, including the “what if’s”

If you become totally and permanently disabled having the right insurance behind you can provide safety and security for your family during life’s hardest moments.

Helen and her kids got the help they needed when her husband passed away.

Helen was a 36 year old mother with three young children when her husband unexpectedly passed away. Naturally, it was a difficult time but she knew that her late husband had insurance with Hostplus so she contacted us to help her make a claim.

Right from the start, Helen was assisted by our dedicated in-house claims team to help her through the process. 
She also made an appointment with one of our financial planners who helped her put a long-term plan in place to support herself and her children in the future.

Terminal illness cover

At Hostplus, Terminal Illness cover is included as part of your Death insurance cover. If you become terminally ill, a Terminal Illness benefit will pay you the Death cover amount you are insured for. 

Stay in control of your finances if you become permanently disabled

Permanent disability affects you in many ways. Having the right cover in place can assist you and your family when you need it the most. 

As a Hostplus member you can apply for additional insurance of up to $5 million in TPD cover and an unlimited amount of Death cover1 to help with bills and any changes you may need to make to your home and lifestyle. 

Total and Permanent Disability (TPD) only cover

TPD cover pays you a lump sum benefit should you suffer an illness or injury that leaves you totally and permanently disabled.

While Hostplus offers Death and TPD insurance cover together, you can apply to have TPD only cover.

If you elect to have TPD only cover, you will not be covered for Death or Terminal Illness, but you may apply for Death cover at any time.

Unitised cover

With unitised cover you pay a set price for each unit of cover you hold.  The benefit value of each unit changes as you get older. When you join Hostplus as an Industry member, you are provided with automatic unitised Death Only and/or Death & TPD cover depending on your age.

You can convert from unitised cover to fixed cover with our online insurance tool

Fixed cover

With fixed Death and TPD insurance cover your insured benefit value stays the same. However, at age 61, your TPD benefit will reduce each year by 20% of the cover held at age 60, reaching 20% at age 64 and will remain at this level until cover ceases. The cost will vary depending on your age which means you may pay higher fees as you get older.

Excluded occupations for  additional Death and TPD insurance

Some occupations are ineligible for  additional Death and TPD insurance cover. Review our list to see if you need to make alternative insurance arrangements. If you have questions, contact us. We’re here to help.

Learn more

Apply online today – no paperwork required

Apply for the protection you need online. It’s quick and easy to get the peace of mind you and your family deserve.

Hostplus insurance products are designed for a particular target market. Please read our Product Disclosure Statement and Target Market Determinations to understand if this product is right for you. 

1 Underwriting applies to increase of cover.

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This website is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund (the Fund) ABN 68 657 495 890, MySuper No 68657495890198. Hostplus Self-Managed Invest (SMI) is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Pooled Superannuation Trust (PST) ABN 13 140 019 340. It contains general advice only and does not take into account your personal objectives, financial situation or needs. You should consider if this information is appropriate for you in light of your circumstances before acting on it. Please read the relevant Hostplus Product Disclosure Statement (PDS) or Hostplus SMI PDS before making a decision about Hostplus. For a description of the target market, please read the Target Market Determination (TMD), available at hostplus.com.au. You can view detailed disclaimers here. Hostplus has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of personal financial advice to members of Hostplus. Advice is provided by financial planners who are Authorised Representatives of IFS. Fees may apply for Comprehensive Financial Advice, further information about the cost of comprehensive advice is set out in the relevant IFS Financial Services Guide, a copy of which is available from your financial planner. Hostplus has engaged Link Advice Pty Ltd ABN 36 105 811 836, ASFL 258145 to facilitate the provision of limited personal financial advice to members of Hostplus via the web-based product Super Adviser.