Your level of cover

It's important that you check your insurance cover and review your level of cover as your circumstances change over time. To help work out how much cover you need, you can use the Insurer's needs analysis calculator. This tool also allows you to obtain a quote and apply for cover through Member Online.

The following options may be available to you:

  • Increase, decrease or fix the amount of your insurance cover. Provided you meet eligibility criteria, you can apply to increase, decrease or fix the amount of your insurance cover at any time through Member Online
  • Opt out of part or all of your insurance cover. You can opt-out of part or all of your insurance cover in Member Online. It is important to remember that if you choose to reinstate or increase your insurance cover in future, you will be required to complete a full application and meet eligibility requirements
  • Opt in to the Professional and Executive occupation category. If you have existing insurance cover in your West State Super or GESB Super account, you can apply to join this category. If you meet eligibility requirements you may benefit from reduced premium rates. To find out more, please refer to the Professional and Executive occupation category fact sheet

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