AvSuper insurance

Insurance cover is an effective way of providing you and your family with additional financial security in the event of illness, injury or death. Unfortunately, many Australians are at risk of being underinsured, including many with no insurance cover at all.

AvSuper provides eligible members with access* to affordable Death and Total & Permanent Disablement (TPD) and Income Protection insurance. Refer to the Insurance Guide for details.

Life Changes


Why have AvSuper insurance?

  • cover 24 hours a day, 7 days a week – not just when you are at work.
  • insurance fees at discounted group rates, significantly less than similar insurance policies you could buy outside of super (fees may vary based on four occupation classes)
  • easy payments – fees are deducted automatically from your super account
  • options which allow you to increase your insurance cover at any time (you may have to provide medical information to the Insurer)
  • cover available to high risk occupations, including pilots and fire fighters
  • income protection cover and disability cover for heavy blue collar workers such as fire fighters at the same competitive rates
  • interim accident cover applies while insurance applications are being processed.

Applying for AvSuper insurance is easy – just print, complete and return our insurance application form.

AvSuper insurance and COVID-19

We understand that COVID-19 is a major concern for our members and that insurance is one area raising questions for members. The following information is about AvSuper’s insurance* (note that other policies may differ from ours) related to COVID-19 – please refer to our insurance guide for insurance information more generally.

What is covered?

AvSuper insurance does not have any exclusions for COVID-19 or a pandemic. Our claims process has not changed and we continue to process claims as quickly as possible.

As long as you meet our usual definitions, terms and conditions*, you can make a claim for a death, total disablement or income protection policy whether or not it is caused by COVID-19.

Am I covered for COVID-19 if I travel overseas?

AvSuper insurance covers you 24 hours a day, anywhere in the world (for up to three years outside Australia).

However, no insurance applies if you visit or visited a country graded as ‘do not travel’ when you leave Australia.  Please check Australian Government travel sites and recommendations before travelling overseas.

Please note that new applications for cover will not be accepted if you have booked any overseas travel. If you then cancel your travel plans or the pandemic has been cleared, email us so we can reassess your application.

Does taking an early release payment impact my insurance?

Withdrawing money under the Governments’ COVID impact early release scheme is separate to your insurance cover so does not impact on the terms and conditions of your cover.

However, it is important to note that reducing your balance (through early release or any means) below $1,200 will end your AvSuper cover.

Can I make an income protection (IP) claim because of COVID-19?

To make an IP claim, you must show that you are unable to work because of an illness or injury.

Unfortunately, under laws governing most super fund insurance policies, you cannot make a claim for being retrenched or stood down, nor for any missed work time due to self-isolation or quarantine.

Does being unemployed or stood down impact my cover?

Your AvSuper Automatic and voluntary cover will not change because of any employment changes, as long as your account continues to have at least $1,200 in it. However, any Corporate cover will be converted to units of voluntary cover if you cease working for Airservices Australia or CASA.

If you need to make a TPD or IP claim for an illness or injury between 11 March 2020 and 1 January 2021, we will consider your employment status on 11 March 2020 (the date WHO declared the pandemic) if you became unemployed, were stood down or had your hours reduced due to COVID-19. This applies as long as fees were maintained at that time and claims are made on or by 31 December 2022 (IP claims) or 31 December 2023 (TPD claims).


* Insurance cover is provided to eligible AvSuper members in accordance with the terms and conditions of the Fund’s insurance policy. Please refer to Insurance Guide for additional information regarding eligibility conditions and other important details and terms of the Fund’s insurance arrangements.


We all know that things happen and some of those things can increase the amount of insurance you and your family needs.

Eligible AvSuper members can increase their existing voluntary death and TPD cover during a major life event simply by completing a Life changes voluntary insurance form – two additional units of cover are pre-approved as our way of supporting you as you move into a new stage of your life.

Eligible events include becoming a parent, getting married, buying a house (that you will live in), getting divorced and starting a child at private secondary school.

Full conditions are explained in our Insurance guide, but please note the following:

  • the additional units provided under AvSuper’s life changes cover are for accidents only in the first six months.
  • the same terms and conditions (including fee rates) apply to the additional units as per your existing cover.
  • you need to submit your form within 60 days of the eligible event
  • you can only make one claim per life changes event
  • there is a maximum of three life changes increases


You may be eligible to transfer your associated insurance cover to AvSuper when rolling (transferring) super from your old fund.

Simply request a rollover and insurance transfer by completing a Rolling into AvSuper form.  Alternatively, eRollover (via Member Online) and then complete a transfer insurance form and return it to us.

To transfer only part of the balance from your old account, please contact your old fund for instructions.

Please note that eligibility terms apply so you may like to use our online health test to get an idea of your eligibility before applying – refer to our Insurance guide for information.

All eligible (non-Corporate) members are provided with Automatic Cover to provide a minimum level of two units of our cost-effective death and disability insurance cover.

If your employer has not yet chosen AvSuper as their default super fund, your cover is provided on a Limited Cover basis for 24 months and will revert to full cover after that time as soon as you are in active employment.

Note that cover will not start until you are over 25 and your balance has exceeded $6,000 unless you elect to have cover sooner.

The Insurance guide details all eligibility rules and other terms and conditions.

For more death and/or TPD cover or income protection cover, you can apply via AOL (AvSuper Online) or by completing a Voluntary insurance application.

Active employment

Active employment means you are actively preforming all the duties and hours of your usual occupation and not receiving or claiming any income support benefits (eg workers compensation, transport accident benefits).

Limited cover

Limited Cover means cover for an illness or injury that occurs on or after the date insurance commences (ie it does not cover pre-existing conditions).

You can get Corporate death, TPD and TTD cover upon commencing with your employer if you:

  • are a Corporate member (ie employer by Airservices Australia or CASA)
  • have all of your superannuation guarantee paid into your AvSuper account
  • join AvSuper within six months of starting with your Corporate employer

The level of corporate cover is based on your age and salary – please log into AOL (AvSuper Online) to see how much cover you currently have. Note that cover will not start until you are over 25 and your balance has exceeded $6,000 unless you elect to have cover sooner.

Full details of our Corporate cover are in the Insurance guide.

You can also apply for additional voluntary cover if the  provided cover is not enough to protect you and your family’s peace of mind.

If you leave your Corporate employer, you can continue your AvSuper cover as part of a non-corporate account.

AvSuper’s insurance is provided by AIA Limited (the Insurer) ABN 79 004 837 861, AFSL 230 043

*Like all insurance, AvSuper insurance is offered under a series of terms and conditions, including a full duty of disclosure. For all AvSuper insurance, you must be an AvSuper superannuation member and have an account balance of at least $1,200 or be receiving regular superannuation guarantee contributions into your AvSuper account. Other eligibility criteria apply, including default cover applying only if you have an active account, are over 25 and have a balance that has exceeded $6,000 or have elected to have default cover. Contact us if you have made, or are currently eligible to make, a TPD or terminal illness claim against any super fund or life insurance or if you are not an Australian resident to avoid paying unnecessary insurance fees. Note that members are only eligible for one death and TPD policy through AvSuper at any time. Please refer to the Product Disclosure Statement (PDS) for your membership category or check out our Insurance guide.

Phone 1300 128 751 (Local call)