Normally, eligible members will receive basic insurance cover (up to the insurer’s Automatic Acceptance Limit) from the day you join the Fund without the need to provide evidence of your health.
However, you will need to provide health evidence, for example, if your level of cover exceeds the Automatic Acceptance Limit set by the insurer, or you are not able to perform all your normal duties and hours without restriction due to illness or injury on the day you were first eligible for cover.
You should refer to the Product Disclosure Statement for your category of membership for more information regarding eligibility and terms and conditions relating to the insurance benefits provided through the Fund.
You will need to provide health evidence if applying for additional insurance cover or if you are increasing your chosen percentage for cover - 5%, 10%, 15% or 20%.
Conditions apply. See IPE Super's Insurance Guide for new employees, Retained and Spouse members for details.
All cover that is subject to health evidence will not commence until it is approved in writing by the insurer.
The information provided above is a summary only. You should refer to the PDS and IPE Super's Insurance Guide for more information regarding providing health evidence. Your death and disablement benefits will be reduced by any amount of insurance that the Trustee is unable to arrange or claim.