How to change your insurance

Your insurance needs change throughout your life. After any major lifestyle change, it’s important to check you have the right level of cover to support your partner or family, should anything happen to you.

On this page you’ll find the steps you need to take to make changes to your insurance cover.

1. Login to Member Online

Choose the login button in the top right corner of our website or click this link to go to Member Online. Use your member number and password to login. If you haven’t registered yet, visit the Member Online registration page to register.

This image shows the location of the Member Online login button which is in the top right corner of our website.

2. Select the Insurance tab

Click on ‘Insurance’ in the menu bar in Member Online.

This image shows the location of the Insurance tab in the menu bar in Member Online, which is the fourth tab from the left.

3. Understand your options when changing your insurance policy or details

Below the insurance cover table, you can choose from the following options:

  • How much insurance do you need? Use this to calculate how much insurance you may need and get a quote
  • Change your insurance. Choose this option to, change some insurance details, or decrease or cancel your cover
  • Apply for insurance. Choose this option if you would like to increase your cover or apply for new types of cover

This image shows the three options you can select in the Insurance section of Member Online. The options include ‘How much insurance do you need?’, ‘Change your insurance’ and ‘Apply for insurance’.

4. Work out how much insurance you need

If you click on ‘how much insurance do you need?’ a message will appear redirecting you to the AIA website. AIA is our Insurer.

This image shows the Insurance section of Member Online, with the ‘How much insurance do you need?’ option highlighted. When you select this option, you will be redirected to the AIA website where you can calculate how much insurance you might need.

Click 'continue' to visit AIA's website.

This image shows the pop-up message that appears when you select the ‘How much insurance do you need?’ option. If you select the ‘Continue’ button in the message, you will be redirected to the AIA website. Here you can assess your insurance needs, get a quote, apply for an increase in cover or decrease your waiting period for SCI. To give you an accurate quote, AIA will require your personal details and insurance policy information. If you consent to this information being transmitted, please select ‘Continue’. If you do not wish any details held by GESB to be sent to AIA, please select ‘Cancel’.

Once you are on the AIA website, click ‘assess your insurance needs’ and follow the prompts.

This image shows the homepage of the AIA website. Here you have three options to choose from. These include ‘Assess your insurance needs’, ‘Get a quote’ and ‘Apply now’. This screenshot highlights the first option, ‘Assess your insurance needs’.

5. Change your insurance: update your details

If you click on ‘change your insurance’, you will be guided through some steps to change your cover details.

This image shows the Insurance section of Member Online, with the ‘Change your insurance’ option highlighted. When you select this option, you will be able to update your details and change your insurance cover, then submit these changes to us.

Step 1. The change your insurance page allows you to:

  • Change your occupation category
  • Fix your insurance cover
  • Decrease or opt-out of your insurance cover
  • Increase or decrease your Salary Continuance Insurance (SCI) cover waiting period

If you don't need to change any information on this page, click ‘skip this step’ or 'continue' at the bottom of the page.

Occupation category

You may currently have different categories for your occupation. Any change you make here will apply to all insurance covers.

Select your new occupation category and type in a description of your current occupation.

If you're eligible to opt in to the Professional and Executive occupation category you need to complete the Professional and Executive occupation category application form.

This image shows part of the ‘Step 1: Update your details’ page of the Change your insurance section of Member Online. It shows the ‘Occupation category’ section where you can update your occupation category and provide a description of your current usual occupation.

Fix your insurance cover

Click on ‘fix your insurance cover’ to fix your Death and/or Total and Permanent Disablement (TPD) cover.

Note: even if you fix your cover, when you turn 61, the amount of TPD cover to which you are entitled will be reduced each year until you turn 65.

See the Insurance and your super - GESB Super and West State Super brochure to find out more about fixing your insurance cover.

In step 2 you can see how this change affects your premium.

This image shows part of the ‘Step 1: Update your details’ page of the Change your insurance section of Member Online. It shows the ‘Fix your insurance cover’ section, where you can click the box to fix the amount of your Death and TPD cover.

SCI cover waiting period

In this section you can select a new waiting period for your SCI cover. You can increase the waiting period by clicking in the ‘new waiting period’ drop down box.

If you want to decrease your waiting period, you will be taken to the AIA website (our Insurer) to apply for this.

Click 'continue' at the bottom of the page.

This image shows part of the ‘Step 1: Update your details’ page of the Change your insurance section of Member Online. It shows the ‘SCI cover waiting period’ section, where you can view your current waiting period and select a new waiting period using the drop down menu. It also informs that the default waiting period is 90 days and if you would like a shorter waiting period of 30 or 60 days, you will need to complete a full insurance application. Next, click ‘Continue’ to go to ‘Step 2: Change cover’.

6. Change your insurance: change your cover

In step 2 you can increase, decrease or opt out of your insurance.

If you don't need to change any of this information, click ‘skip to step 3’ ‘or 'continue' at the bottom of the page.

This image shows the ‘Step 2: Change cover’ page of the Change your insurance section of Member Online. In step 2, you can increase, decrease or opt out of your Death, TPD and SCI cover by selecting their respective drop down menus.

To change any of the insurance cover listed in the table, click on the ‘new sum insured’ drop down box. You can then choose to:

  • Decrease your insurance in set increments
  • Increase your insurance by clicking ‘more’ (this will take you to the AIA website)
  • Opt out of the insurance by clicking ‘opt out’
  • Select ‘no change’ if you decide not to change your insurance cover

Any change you make will automatically update your proposed premium.

Then, click 'continue' at the bottom of the page.

This image shows part of the ‘Step 2: Change cover’ page of the Change your insurance section of Member Online. It shows the drop-down menu you can use to increase, decrease or opt out of your Death, TPD and SCI cover. Once you have made a change, you can compare the proposed premium with your current premium.

7. Change your insurance: submit your changes

In step 3 you need to check the changes you've made. The current details are listed next to the proposed details.

If you're happy with the changes, read and click the member declaration tick box, then click ‘submit’ at the bottom of the page.

Note: Any change in your Death and TPD insurance means your insurance will be fixed and will not automatically decrease as you get older. However your TPD cover will automatically reduce annually to nil from your 61st birthday until you turn 65.

See the Insurance and your super, GESB Super and West State Super brochure to find out more about fixing your insurance cover.

This image shows part of the ‘Step 3: Submit changes’ page of the Change your insurance section of Member Online. It shows a summary of your proposed insurance details and proposed insurance cover for you to review. If you’re happy with the changes you have made, read and click the member declaration tick box and then click ‘Submit’ at the bottom of the page.

8. Applying for insurance

If you click ‘apply for insurance’, a message will appear redirecting you to the AIA website. AIA is our Insurer.

Click 'continue' to go through to the AIA website and follow the prompts.

This image shows the Insurance section of Member Online, with the ‘Apply for insurance’ option highlighted. When you select this option, you will be redirected to the AIA website where you can complete the insurance application.

Once you are on the AIA website you can:

  • Assess your insurance needs
  • Get a quote
  • Apply for insurance

This image shows the pop-up message that appears when you select the ‘How much insurance do you need?’ option. If you select the ‘Continue’ button in the message, you will be redirected to the AIA website. Here you can assess your insurance needs, get a quote, apply for an increase in cover or decrease your waiting period for SCI. To give you an accurate quote, AIA will require your personal details and insurance policy information. If you consent to this information being transmitted, please select ‘Continue’. If you do not wish any details held by GESB to be sent to AIA, please select ‘Cancel’.

AIA website

This image shows the homepage of the AIA website. Here you have three options to choose from. These include ‘Assess your insurance needs’, ‘Get a quote’ and ‘Apply now’. This screenshot highlights the second and third options, ‘Get a Quote’ and ‘Apply now’.

Another way to make changes to your insurance

Member Online is the easiest way to make changes to your insurance cover. If you prefer to work offline, please call us on 13 43 72 for a copy of the relevant form below:

Page last updated 12 June 2020