How to check what insurance you have in your super
Log in to your super fund and open the insurance section, or read your latest annual statement. You want the type of cover, the amount, what you pay each year and when it ends. If you've had more than one job, check every account: ATO online services in myGov lists them all.
Most people with insurance in their super didn't pick it. It came with the account. So the first job is simply finding out what's there.
Where to look
Your fund's member login. Look for a section called Insurance, Your cover or something close. Good ones show each cover type, the dollar amount, the yearly or weekly cost, and an end date or age.
Your annual statement. It shows what was taken out of your account over the year, including insurance premiums. It's the quickest way to confirm you're paying for something, even when the amounts are hard to find online.
A phone call. If the website is vague, ask four things: which types of cover do I have, how much of each, what does it cost me, and does anything limit it (such as limited cover for pre-existing conditions)? Ask them to confirm the answer in writing or by email.
Find the accounts you've forgotten
Sign in to myGov, open the ATO, and go to Super. It lists every super account in your name, including ones from jobs you left years ago. Each of those can still be charging for insurance, and each can still pay out.
What to write down for each account
- Death cover amount
- TPD cover amount
- Income protection: the monthly benefit, the waiting period and the benefit period
- What you pay each year
- The age or date the cover stops
- Whether any of it is limited cover
- Who your death benefit is nominated to
That last one matters more than it looks. A nomination that's lapsed or points to an ex can send a payout somewhere you didn't intend.
Three things that catch people out
The amount may not be fixed. Many funds set default cover by age, so it falls as you get older. At one large fund the automatic Death cover at 35 is about $180,000 and at 55 it's about $37,000. We've written about why.
Cover can exist and still be restricted. New members often start on limited cover, which doesn't pay for conditions you already had. Here's how it ends at each fund.
Two accounts don't mean double the income protection. Death and TPD can be claimed on every policy you hold. Income protection normally pays up to about 75% of your income in total, so a second policy mostly means a second premium. If you find cover in two places, work out which one you'd rather keep before you close anything, and don't cancel until you have what you need in place.
What next
Once you know what you have, compare it with what other funds give automatically at your age and what that costs.
Sources
- ATO, Online services for individuals (super accounts through myGov)
- Fund insurance guides as at 22 October 2026, summarised in the miadvice fund comparison
See what other funds give automatically at your age
Free, no sign-up. Uses each fund's published rates and rules.
General information only, not personal advice. Fund rules and premiums change, usually on 1 July or 1 October. Check the fund's current insurance guide before relying on a figure here.