Who provides insurance to Superhero Super members?
Insurance is provided to Superhero Super members by Nippon Life Insurance Australia and New Zealand Limited.
For more information please refer to the Superhero Super Insurance Guide or the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.
Can I transfer my insurance?
Yes, you are able to transfer insurance cover you have with another provider to insurance with Superhero Super. To transfer your cover please contact us via online chat or email at super@superhero.com.au.
For more information please refer to the Superhero Super Insurance Guide or the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.
Am I covered for existing medical conditions?
Provided you meet the eligibility conditions, when you join Superhero Super you can choose to receive default death and total and permanent disablement cover without any medical underwriting.
Your default cover will be for New Events only for the first 24 months.
New Events cover is cover for an illness first diagnosed or an injury that first occurs on or after the date your cover commences or recommences in Superhero Super.
For more information please refer to the Superhero Super Insurance Guide or the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.
How does life and TPD insurance work?
Life (Death) cover insurance provides financial support for your family and other dependents if you die or you’re diagnosed with a terminal illness. TPD insurance provides financial support to you if you suffer a total and permanent disability. Only “any occupation” life and TPD cover is provided via super. Cover ends at age 70.
Provided you meet the eligibility conditions for cover, when you join Superhero Super you can choose to receive default death and total and permanent disablement cover without any medical underwriting. Your default cover will be for New Events only (see below) for the first 24 months. If you are not At Work continuously for 60 consecutive days at the end of the 24-month period then New Events cover will continue until you have been At Work for 60 consecutive days. The amount of default cover provided will depend on your age.
For more information please refer to the Superhero Super Insurance Guide or the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.
What does Default Cover for New Events mean?
If you meet the eligibility criteria, Default Cover commences for New Events only. There must be a sufficient account balance to pay the first monthly Premium.
New Events Cover will apply for 24 months from the date that your cover commenced. If you are not At Work continuously for 60 consecutive days at the end of the 24-month period then the New Events cover will continue until you have been At Work for 60 consecutive days.
This is only applicable for members of Superhero Super. For conditions relating to Superhero MySuper, please refer to the Superhero MySuper Insurance Guide.
What is my level of default cover?
Your level of default cover for Superhero Super Death & TPD will depend on your age, up to a maximum of $250,000 for some members or for Superhero MySuper up to a maximum of $610,400 depending on your age and occupational rating. Please refer to the Superhero Super Insurance Guide for more information or to the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.
How much will I be paid in the event of a claim?
The amount of cover that the Insurer must pay is the amount for which cover is in force:
- On the Date of Death, if the claim is for Death;
- On the Date of Disablement, if the claim is for Total and Permanent Disablement;
- On the Date of Certification, if the claim is for a Terminal Illness.
Am I covered for insurance while I am working overseas?
Cover may continue if you are residing overseas for work purposes, provided that:
- The insurer continues to receive a premium from you; and
- The period of time overseas is no longer than five years; and
- In the insurer’s opinion, the residence overseas is temporary in nature.
This is outlined in the Superhero Super Insurance Guide.
How do I make an insurance claim?
You must notify us in writing as soon as reasonably practicable of any event entitling you to a benefit, including:
- death (by an authorised representative),
- diagnosis of a Terminal Illness or Total Permanent Disability (TPD), and
- diagnosis of an injury or illness likely to give rise to Total Disability.
On receipt of notification of a claim, you will be provided with claim forms. The claim forms must be fully completed by you (and your treating Doctor and Employer, if applicable) and returned to us as soon as practical. You may be requested to obtain other such information and documentation that the Insurer requires to consider and process the claim. A claim will not be processed until all the relevant documentation is received by the Insurer.
If the completed claim forms are provided more than one year after the event giving rise to the claim, and the delay results in the Insurer’s interests being prejudiced, the Insurer may not accept liability for the claim or, alternatively, may reduce the liability in respect of the claim to the extent of the prejudice the Insurer has suffered.
For more information on how to make a claim, please refer to the Superhero Super Insurance Guide or the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.
What evidence do I need to provide to support my insurance claim?
For the assessment and payment of your claim, you will be required to provide the following:
- satisfactory proof of death for a death claim;
- satisfactory proof of age;
- for TPD and Terminal Illness claim, two (2) treating Doctor reports prepared using the forms prescribed by the insurer at your own expense;
- if required by the insurer, reports from a doctor on your medical condition at such times as the insurer may reasonably require, at the insurer’s expense;
- in relation to the payment of a TPD or Terminal Illness Benefit, the insurer shall have the right to conduct, at its expense, a medical examination with a doctor of the insurer’s choice, including pathology testing such as blood tests, at such times as the insurer may reasonably require; and
- any additional information the insurer needs to assess the claim, at your own expense.
What is the cost for my insurance premium with Superhero Super?
The insurance premium you pay will depend on a number of factors such as the sum insured, your occupation, and your age when you took the insurance cover. Please refer to the Premium Rates Table in the Superhero Super Insurance Guide for more detailed information.
For members of the Superhero Super Employer Default option (Superhero MySuper) or previous members of Smartsave, insurance premium details can be found in the Superhero MySuper Insurance Guide and Smartsave Insurance Guide respectively.