Types of insurance in super explained27 Jan 2023 4 min read
At NGS Super, we offer 3 types of insurance to members: Life insurance, Total and Permanent Disablement cover and Income Protection. Each type essentially protects you from the same risk: losing your ability to earn an income. The differences are in how you lose your ability to work, and how your cover is paid out.
Total and Permanent Disablement
Total and Permanent Disablement (TPD) cover can provide a lump sum payment if you’re permanently unable to work due to illness or injury.
Income Protection can provide you with a regular income if you become too sick or injured to work.
Frequently asked questions
How do I get insurance?
After you join NGS, you can either opt in to our default level of insurance (if eligible) or wait until you’re automatically eligible for cover.
You can also apply for tailored cover (Fixed Cover) through Member Online or by completing the Insurance — Increase cover form, once you have an account.
How can I check my insurance?
You can check your insurance through Member Online or by calling us on 1300 133 177. Your insurance details are also on your Annual Statement.
Do I have enough insurance?
How do I change my insurance cover?
- cover increase
- change from age-based to fixed cover
- change in insurance category (to reduce your premiums)
- cover reduction or cancellation.
How do I make an insurance claim?
If you need to make an insurance claim, the first step is to call us on 1300 133 177. Read more about the full claims process.