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.

Screenshot showing Member Online login button

2. Select the Insurance tab

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

Screenshot showing the location of insurance in the navigation

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

Screenshot of the options available to make changes and apply for insurance cover

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.

Screenshot that shows which button to use when you want to work our how much cover you'll need

Click 'continue' to visit AIA's website.

Screenshot showing you the pop up message your get before you get taken to the AIA website

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

Screenshot showing you which option to use on the AIA website

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.

Screenshot showing which button you'll need to select when you want to make changes to your insurance cover

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.

Screenshot showing step 1 in the change your insurance process where you select your occupation category

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.

Screenshot showing step 1 in the change your insurance process where you can fix your 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.

Screenshot showing step 1 in the change your insurance process where you can change your SCI waiting period

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.

Screenshot showing step 2 in the change insurance process where you can change your sum insured

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.

Screenshot showing the dropdown menu where you can select the sum insured you want

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.

Screenshot showing a summary of the changes you've made and shows the declaration you'll have to accept to change your insurance

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.

Screenshot of insurance overview page showing which button to select when applying for insurance cover

Once you are on the AIA website you can:

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

Screenshot showing you the pop up message your get before you get taken to the AIA website

AIA website

Screenshot of AIA website showing which options you can select to apply for cover or get a quote

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 19 March 2019