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Do I need insurance?

What would happen if you died or were unable to work because of illness or injury? Would you and your family be able to manage financially?

While it’s important to consider your individual situation, insurance might be the safety net you need if, for example: 

  • you have children, or have other people that you’re financially responsible for
  • you rely on your income to pay your bills, groceries, rent, childcare and education costs and other living expenses 
  • you have debts such as a mortgage, car loan or credit card. 

Subject to eligibility, insurance can give you financial security through tough times, helping to cover everyday essentials, debts, medical bills and more. If the unthinkable were to happen, having the right insurance in place can give you the peace of mind that you and your loved ones are protected. 

Why should I insure with Hostplus?

We make insurance easy: 

  • Hostplus represents over 1.6 million members. This means we can negotiate special rates and terms that may not be available to the general public. 
  • As an industry fund, we don't allow commissions on our premiums, meaning you only pay for what the product costs.
  • Your premiums are automatically deducted from your super balance. And because your employer’s super contributions are taxed at 15%, paying for insurance through super may be tax-effective. However, this approach can reduce your retirement savings, so it’s important to take your financial situation into account when considering whether insurance is right for you. 
  • Depending on your eligibility, you may receive default Death and Total & Permanent Disability (TPD) insurance when you join Hostplus as a super member – without the need for medical checks or lengthy paperwork.  
  • We offer specific life events insurance and premium-free parental leave cover help to protect you during life’s big changes. 
  • You can cancel your insurance at any time. But if you want more protection, we’ve also got a range of insurance options to suit your circumstances. 

Insurance Options  

Everyone’s different. To find the right insurance for you – and the right level of cover – you’ll need to think about your specific financial situation, needs and objectives, including your budget. 

Death and Total & Permanent Disability (TPD) insurance

Plan for the unexpected. Take care of your loved ones if you die or suffer a severe accident or illness.  

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Income Protection insurance

If you temporarily can’t work due to illness or injury, Income Protection insurance is designed to provide regular monthly payments to help you meet your living expenses until you can return to work. 

How much insurance cover do I need?

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Am I eligible?

If your super account balance is at least $6,000, you’re aged at least 25 years and you’ve received contributions in the last 16 months, you’ll receive automatic Death and TPD cover. Most members can opt in to automatic cover, even if they don’t meet these criteria. However, if you’ve joined online you’re considered a Personal Super member – and under this membership some occupations are ineligible for automatic cover

What is the automatic level of cover?

If you have automatic Death and TPD cover, the amount of cover you receive will depend on your age. You can find the levels of cover and costs in the Product Disclosure Statement (PDS). The automatic level of cover is designed to provide a safety net for a typical Hostplus member, but it’s important that you assess your own situation and decide whether the level of cover is right for you. 

What cover do I currently have?

If you’re a member, you can log in to Member Online to see your current insurance cover or to find out what insurance you may be eligible to opt in to.  

More control over your insurance

We make it easy to manage your insurance so it suits your changing needs. Learn how to: 

  • get the right level of insurance for your situation 
  • opt in to automatic cover or apply for new cover 
  • reduce your insurance costs 
  • cancel your insurance 
  • transfer your existing insurance from another provider 
  • nominate a beneficiary. 
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Your insurance claim is our priority

Our in-house team is standing by to guide you through every step of the claims process and help you get the best possible result. 

Get the right advice for your situation

It’s important to consider your specific needs and financial situation when you’re thinking about insurance. But if you’re not sure where to begin, some financial advice might help. At Hostplus, we offer a range of advice options to help you assess your insurance needs, from our free SuperAdviser digital tool to face-to-face sessions with our expert financial planners.  

Peace of mind for when you need it most? THAT’S A PLUS

Learn more about insurance

Insurance can be a complex topic. Further information about insurance in superannuation is also available on ASIC's MoneySmart website. 

Here’s some more information to help you navigate your options. 


1. Insurance provided through Hostplus is issued by MetLife Insurance Limited, ABN 75 004 274 882, AFSL 238096 (MetLife) to Host-Plus Pty Limited (the trustee for the Hostplus Superannuation Fund (Hostplus)). PayGuard income protection insurance provided to former Intrust members through Hostplus is issued by Certain Underwriters at Lloyd’s. Cover is subject to terms and conditions and eligibility criteria. Some occupations are excluded from cover and some members may not be provided with cover or may be provided with different types and levels of default cover depending on their circumstances.

Hostplus superannuation is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund ABN 68 657 495 890, MySuper No 68 657 495 890 198 (the Fund).

The information is general advice only and does not take into account your personal objectives, financial situation or needs. You should consider if this advice is appropriate for you in light of your circumstances before acting on it. Please read the relevant Hostplus Product Disclosure Statement (PDS), before making a decision about Hostplus. For a description of the target market, please read the Target Market Determination (TMD).