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AustralianSuper income protection review

AustralianSuper income insurance could be good if you want cover inside your super fund.

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AustralianSuper - Balanced

AustralianSuper - Balanced

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Australian Super income protection: Our verdict

  • The maximum amount you can apply for is $30,000 a month or 85% of your salary, whichever is lower — that's 10% more than most providers who offer income protection as a standalone policy (though 10% will be paid to your super).
  • Unlike standalone policies, premiums come out of your super. This could be good if you want cover but want one less bill to come out of your bank account each month.

  • If you're worried about it eating into your super, you might be better with a standalone income protection policy.

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Income protection insurance

Key points of Australian Super income protection

  • You'll get a basic level of income protection cover if you're 25 or older when you join Australian Super (and when your super balance reaches $6,000) which is similar to other funds.
  • No health information is required for cover.
  • Cover is based on your age, so the amount and cost of it will change as you age.
  • The benefit payment period is up to two years and comes with a 60 day waiting period – this is fairly standard among insurers. You can also choose a different benefit payment period or waiting period.
  • Premiums are automatically deducted from your super account.

Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

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Applying for cover

Applying for Australian Super cover

  • You will need to have a super account with Australian Unity.
  • Income protection is available for people aged 15 to 69.
  • You will be automatically provided with cover if you're over 25 and $6,000 in your super but you can apply to change or cancel your cover anytime if it doesn't suit your needs.

Australian Super income protection pros and cons


  • Premiums are automatically deducted from your super.
  • It gives you more cover than many other providers.
  • It's convenient if you're an Australian Super customer.


  • It's only available to Australian Super customers.
  • You may not want to eat into your retirement savings.

How do I make an Australian Super income protection claim?

To make an Australian Super income protection claim, you can call 1300 667 387 from 8:30am to 5pm AEST/AEDT weekdays.

You'll be assigned a case manager to help you through the process who will ask you some questions to see if you're able to make a claim. They'll then send you some forms to fill out to get the application process underway. It's likely that they'll need a medical report proving why you're temporarily unable to work.

Once the insurer makes its decision, they'll let you know in writing and confirm payments.

What are some of the key exclusions of Australian Super income protection?

Australian Unity won't pay an insurance benefit if an illness or injury is directly or indirectly caused by:

  • an intentional self-inflicted act or suicide attempt
  • your service in the armed forces of any country, other than service in the Australian Armed Forces Reserve
  • normal pregnancy or childbirth or assisted fertilisation techniques
  • war

Read the PDS for more information on the general exclusions that apply to your policy.

Why you can trust Finder's income protection experts


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We're experts

Our team of income protection experts have researched and rated dozens of policies as part of our Finder Awards and published 80+ guides.

We're independent

Unlike other comparison sites, we're not owned by an insurer. Our opinions are our own and all guides must meet our editorial standards.

We're here to help

Since 2016, we've helped thousands of Australians find income protection by explaining your cover options, simply and clearly.

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