Flexible options for members

NESS Super offers flexible options for 'Additional' cover to our members within 180 days of becoming first Eligible to join NESS Super. The default Death & TPD cover for members is 2 units of aged based cover.  Refer to the NESS Super - Employed Division Insurance Guide for further information and conditions.  For Income Protection, eligibily members can increase their benefit period to 5 years (260 weeks) from 2 years (104 weeks). Or increase the waiting period to 60 or 90 days.

Increase your Death and Total and Permanent Disablement cover

If you are 35 years or over, you can apply either for additional fixed cover or additional units of Death cover up to $5 million and a maximum level of TPD or Terminal Illness Death cover or TPD of $3 million. If you are under 35 years you can apply for additional  fixed Death, Terminal Illness Death cover and TPD cover of the same amounts.

Easy upgrade when you join your Employer*

You can apply for an additional 2 units of Death cover or an additional 2 units of Death and TPD cover without providing medical evidence when you first join a NESS Super Employer (provided you are in active employment).

*Not available to Spouse members.

Easy upgrade for specific life events

NESS Super also offers an easy upgrade of one unit of cover for specific Life Events, such as buying a house, getting married or having a child, without having to provide medical evidence (conditions apply). You can also apply for an additional 2 units of Death and TPD cover within a limited period of joining NESS Super without having to provide medical evidence (conditions apply).