Normally, eligible members will receive basic insurance cover (up to the insurer’s Automatic Acceptance Limit) from the day you join the Plan without the need to provide evidence of your health.
However, you will need to provide health evidence if you do not join the Plan when first eligible or your level of cover exceeds the Automatic Acceptance Limit set by the insurer.
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 Plan.
You will also need to provide health evidence if applying for additional insurance cover.
Any cover 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 Insurance in your super 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.