Occupation classes
AvSuper’s insurance premiums are based in part on your occupation class, meaning that lower risk workers pay reduced premiums for the same level of cover. Occupation classes are based on what you do as a job and in your personal time (such as hobbies and special interests).
By default, you will pay premiums for a light blue collar worker unless you tell us you belong in a different class. If you change jobs or finish a personal interest, you can request a change in occupation class by completing a Change of details form or contacting us via phone or email.
The four occupation classes we offer for insurance purposes are:
Professional: you work indoors at least 80% of the time, have a tertiary qualification, belong to a professional institute and earn over $100,000
White collar: your work requires little or no physical activity and you work predominantly in an office building
Light blue collar: you are not ‘white collar’ or ‘heavy blue collar’ and your occupation is not excluded from cover
Heavy blue collar: your work requires over 50% physical activity and your occupation is not excluded from cover
Excluded: Certain high risk occupations, as determined by the insurer are not eligible for voluntary cover
Please note: Fire Fighters are generally classified as heavy blue occupations while Air Traffic Controllers are classified as light blue occupations.
