BT Super

View our video tutorial on 'How to check your insurance' within your BT Super account. Here you will learn how you can apply, check, change, or claim against life insurance held in your super.

Benefits of insurance in super

While we don’t like to think of something going wrong, it’s comforting to know you have a safety net just in case. The insurance in your super may help you or your family cope financially if something unexpected happens. It is however important to understand that the cost of the premiums for insurance through your super account can reduce the amount of money available to you in retirement.

What types of insurance are available?

When you join BT Super, you may automatically be eligible¹ for insurance cover if you join through your employer. 

Insurance cover can start once you reach an account balance of $6,000 provided you are 25 or older. You can tell us if you want cover to start earlier, or if you don’t want insurance cover in your account. 

If your employer has an arrangement with us to pay for your insurance cover, it may start earlier. You will receive a Welcome Pack, either electronically or by mail, with more information about your insurance cover and options.

BT Super offers:

• Death cover – This provides a lump sum payment to the people you nominate when you pass away. You may also be able to claim on this insurance if you are diagnosed with a terminal medical condition.
• Total & Permanent Disablement (TPD) cover – This pays a lump sum if you become seriously disabled and are no longer able to ever work again in any occupation that you are suited to by education, training or experience.
• Salary Continuance Insurance (SCI) – This provides you with a monthly payment, to replace a portion of the income lost if you are unable to work at your full capacity due to sickness or injury. Through your super account, you can apply to be covered for a maximum of 75% of your salary, and if you choose to, we can insure up to 15% of your Super Guarantee contributions.
  
  Please note: If you hold multiple Salary Continuance Insurance (SCI) covers, which can happen when you have multiple super accounts, please be aware that you generally can’t claim more than once for the same benefit period.

1 Please refer to the Product Disclosure Document (PDS) and relevant Insurance Guide (read the Employee Insurance Guide if you joined via your employer, otherwise please read the Lifetime Insurance Guide) for details about insurance including the eligibility terms and conditions.

Who is the insurer?

Since 1 July 2020, we have partnered with AIA Australia Limited (AIA) to bring our BT Super members help when they need it most.

AIA is an award-winning global insurer with over 47 years’ experience in Australia. Their claims philosophy is simple – when they need it most and making sure every claim that should be paid is paid at the right time. Together with AIA, we can provide a range of programs to support your health and recovery.

Find out more about AIA and how we help our members