Skip to main content

Notice of the duty of disclosure from our life insurer to you.

Duty of disclosure

Hostplus has taken out a contract of insurance with MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 ('MetLife' or the 'Insurer') to provide the insurance benefits in the Fund. On becoming a member, you are bound by the terms and conditions of this contract of insurance.

Insured’s Duty of Disclosure

Before a superannuation trustee such as Hostplus enters into an insurance contract on your behalf, you have a duty to disclose to the Insurer anything that you know or could reasonably be expected to know about your health that could affect the insurer'a decision to provide you with insurance and the terms of that insurance. Hostplus, in entering into a contract of insurance on your behalf, does not need to tell the Insurer anything that:

  • is common knowledge; or
  • the Insurer knows or should know as an insurer; or
  • the Insurer waives your duty to tell the Insurer about.


In exercising the following rights, the insurer may consider whether different types of cover can constitute separate contracts of insurance. If they do, the insurer may apply the following rights separately to each type of cover. For example, Death TPD and income protection benefits may be treated as separate contracts. Additionally, default cover and any additional cover may also be treated separately. If you, the person to be insured, do not tell the Insurer something that you know or could reasonably be expected to know about your health and which could affect the insurer's decision to provide you with insurance and the type and/or level of cover provided, then the insurer may treat such an omission as a failure to disclose relevant information; and may avoid the contract within 3 years of entering into it. If the Insurer chooses not to avoid the contract, the Insurer may, at any time reduce the amount of insurance provided. This would be worked out using a formula that will take into account the premium that would have been payable if the Insurer had told everything it should have been told by you.

However, if the contract has a surrender value, or provides cover on death, the Insurer may only exercise this right within 3 years of entering into the contract. If the Insurer chooses not to avoid the contract or reduce the amount of insurance provided, the Insurer may, at any time vary the contract in a way that places the Insurer in the same position the Insurer would have been in if we had told the Insurer everything it should have been told. However, this right does not apply if the contract has a surrender value or provides cover on death. If the failure to tell the Insurer something is fraudulent, the Insurer may refuse to pay a claim and treat the contract as if it never existed. If the Insurer accepts an application to transfer cover from a previous insurer (existing cover), the Insurer is accepting the risk on the basis that your existing cover had been validly accepted by your previous insurer based on accurate and complete information. If you did not tell a previous insurer something that you knew or could reasonably have been expected to know about your health when applying for the existing cover, and this would have allowed the previous insurer to avoid, reduce or vary the contract, the Insurer may exercise that remedy as though your failure to disclose all relevant matters had been made directly to the Insurer.

Insurer Privacy Statement

Your privacy with MetLife Insurance Limited ('MetLife' or the 'Insurer') If you make a claim under this policy the Insurer may conduct investigations to assess the value and validity of the claim. This may involve the use of investigation agents, legal advisors and the collection of personal data that MetLife believes is relevant. MetLife complies with the Privacy Act 1988 and the principles laid out in their privacy policy, which is readily available on request and also available online at www.

Hostplus Privacy Collection Statement

Hostplus is seeking to collect personal information from you so that it may set up a superannuation account for you as well as administer this superannuation account on an ongoing basis. The personal information we are seeking to collect from you is your name, address, date of birth, Tax File Number (TFN), contact details, occupation and employer, personal health information and your dependants. We need to collect the requested personal information from you for the following purposes: · to establish and manage your superannuation account. · to implement your investment choices. · to establish and maintain your insurance protection. · to process contributions, transfer monies or pay superannuation benefits to you. · to report the investment performance of your account to you. · to keep you up to date about other products and services available to you as a member of Hostplus (which may include direct marketing communications). The Hostplus privacy policy is available on the Hostplus website at and includes information about overseas disclosure of personal information, how you may access and seek correction of your personal information as well as how you can make a complaint about a breach of your privacy. Hostplus usually discloses your personal information to our administrator Australian Administration Services Pty Limited (AAS) ABN 62 003 429 114, mail houses, our insurer(s). AAS (a company within the LINK Group of companies) may also disclose your personal information to overseas recipients. Please see the LINK Group’s Privacy Policy at for further information.