If you would like to apply for Death and/or TPD insurance, here’s what you need to do.
Our products and services
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Learning Hub
Try SuperSmart today
An interactive way to get financial education and tailored advice* online to help supercharge your future.
Exclusive to Hostplus members 24/7 via Member Online at no extra cost.
*Members with Term Allocated Pension, Lifetime Pension, Defined Benefit Pension, nil balances, non-standard investment options and some Maritime Contributory Accumulation members cannot access SuperSmart financial advice services.
Retirement
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
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Member Online
Enter your Member Number and Password to access your account anytime.
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Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
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QuickSuper
Pay your employees super contributions across multiple super funds.
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Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
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Member Join
Everyone is welcome to join us as a member of our personal super plans.
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Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
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Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
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SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Why Hostplus
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Product and fee information for advisers
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Death and total
& Permanent Disablement(TPD)
Plan for the unexpected. If the unthinkable should happen, Death and Total & Permanent Disablement (TPD) insurance aims to ensure you’ve taken care of your loved ones.
Peace of mind in tough times
What is Death and TPD insurance?
If the worst should happen and you die or are totally and permanently disabled through illness or injury, Death and TPD insurance means that a lump sum will be paid to you or your loved ones. It helps to ease financial stress by giving you and your family some security.
Death insurance is also known as life insurance. Our Death insurance includes terminal illness cover, which means you can receive a pre-payment of your death benefit if you’re diagnosed with a terminal illness.
To learn more about Death and TPD insurance, please read the PDS.
All claims are subject to satisfying the eligibility criteria.
Death and TPD
insurance at a glance
Your Death and TPD cover
Depending on your eligibility, you may receive default Death and TPD insurance if you’re 25 years or older and have at least $6,000 in your Hostplus account. However, if it suits your circumstances, you can opt in to default cover before meeting these criteria (subject to terms, conditions and eligibility requirements). Read the PDS to learn more about default Death and TPD insurance.
You can cancel this cover or choose to be covered for Death only or TPD only at any time. You can also choose to increase or decrease your cover. We offer additional Death and TPD cover for a range of specified life events without the need for lengthy paperwork.
Your level of cover
If you have default Death and TPD cover, the amount of cover you receive will depend on your age. You can find the default cover amounts and costs in the PDS.
The default 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 that level of cover is right for you. Using our insurance needs calculator or speaking to our financial advice team can be a good first step.
You can reduce your cover or apply for unlimited Death cover and up to $5 million in TPD cover at any time. If you have combined Death and TPD cover, the amount of TPD cover can’t exceed your Death cover.
Understanding
Death and TPD
insurance costs
How much will you pay for your insurance
How much you pay for your Death and TPD cover will depend on your level of cover and age, as well as your occupational rating and the type of cover. If you’re on parental leave, you may be eligible for premium-free cover with our parental leave premium waiver. It’s important to understand that insurance premiums are deducted from your super balance, which reduces your retirement savings. If you need to reduce or cancel your insurance, you can do so at any time.
How your occupational rating affects insurance costs
Every occupation receives an ‘occupational rating’. This reflects how dangerous a job is and affects how much you pay for your insurance. For example, if you have a White collar rating, you’ll pay lower premiums than if you had a Heavy Blue rating. If you’ve received default cover, you’ll be covered under our Standard (or Light Blue) occupational rating unless and until you tell us otherwise. See our PDS for details.
It’s a good idea to check your occupational rating, as you may be eligible for a lower-risk rating – which in turn may reduce your premiums. If you change jobs, you should also check that your occupational rating matches your new position.
Age-based, unitised and fixed cover affects insurance costs
There are two types of cover for Death and TPD insurance – unitised/age-based and fixed. These affect how the cost of your insurance, and the amount insured, change as you age.
Unitised/Age-based cover: This cover is designed for members who are comfortable with the level of insurance cover changing over time based on their age and who are comfortable with their insurance premiums changing over time based on their age, occupation and gender.
Fixed cover: This cover is designed for members who want to retain their sum insured at a fixed level and who are comfortable with their insurance premiums changing over time based on their age, occupation and gender.
If you’ve received automatic (default) Death and TPD cover, this is age-based. However, you can convert from age-based cover to unitised or fixed cover, or you can convert from fixed cover to unitised cover.
Learn more about insurance costs
To learn more about costs for Death and TPD insurance, read the PDS or use our insurance needs calculator. Members can also head to Member Online for more information on costs.
How to apply
Ineligible occupations
Some members are in an ineligible occupation and are generally employees of the Australian Defence Force, Federal or State police forces, armed security guards, professional sportspeople, and coaches or trainers of professional sportspeople (except coaches who spend more than 90% of their time in an office or similar environment).
People in this category are only entitled to automatic (default) cover under the terms of the Hostplus policies.
Three ways to cancel your insurance
If insurance is no longer right for your situation, you can cancel at any time.
Make an informed choice
Learn more about Death and TPD insurance with Hostplus in our detailed guides.
