GESB Super insurance
As a GESB Super member, you may already have insurance through your super.
We offer three types of insurance with your GESB Super account:
- Death
- Total and Permanent Disablement (TPD)
- Salary Continuance Insurance (SCI)
You can benefit from insurance through super
By having your insurance within your super account, you can benefit in one or more ways:
- You don’t need to have a medical test or provide your medical history, if you’re eligible for automatic insurance through GESB Super
- Insurance premiums are paid from your GESB Super account
- As a GESB Super member, you get a 15% rebate for your insurance premiums, which we reimburse to you annually or when you leave the scheme, because they’re tax deductible
- Cover is available for hazardous occupations, such as police and prison officers
It's also important to note that there are limits to the amount of cover we provide, and that tax may apply to any insurance benefits paid.
Are you eligible to join our Professional and Executive category?
If you're eligible for our Professional and Executive category, you might benefit by paying lower premiums for your insurance.
Find out if you’re eligible and how to apply for our Professional and Executive category.
Your account may include basic insurance cover
If you’re eligible, you’ll automatically receive what’s known as basic cover, unless you have chosen to opt out or have cancelled your cover. The cost of this insurance is deducted directly from your GESB Super account each month.
Generally, to be eligible for automatic insurance cover you need:
- Superannuation Guarantee (SG) contributions from your employer to be paid into your GESB Super account
- To be younger than 65 years of age
You don’t automatically receive insurance if you’re a casual WA public sector employee
If you’re a WA public sector casual employee, you may be eligible to opt in or apply for cover. Learn more about our insurance options for casual employees.
If you were initially employed on a casual basis and are later made permanent or employed on a contract (not as a casual) with the same employer, we may provide you with Special Conditions Cover, subject to certain eligibility rules, from a date determined by GESB and our Insurer, AIA Australia.
Learn more about Special Conditions Cover in our Insurance and your super brochure.
You are employed outside of the WA public sector
If you have directed your non-government employer to pay your employer contributions into your GESB Super account, you may be eligible for Non-Government Cover.
Learn more about Non-Government Cover in our Insurance and your super brochure.
When you turn 46, the amount you are insured for Death and TPD will decrease each year unless you fix your cover.
Types of insurance cover
| Insurance type | Insurance benefit | Basic cover |
|---|---|---|
Death | A one-off lump-sum payment in the event of your death (and includes a terminal illness benefit). | Up to $200,000 depending on your age |
Total and Permanent Disablement (TPD)
| A one-off lump-sum payment if you are totally and permanently disabled and can’t work as a result of injury, sickness or disease. | Up to $200,000 depending on your age |
Salary Continuance Insurance (SCI)
| A monthly income of up to the lesser of your Amount Insured and 75% of your pre-disability income for up to two years if you become disabled due to sickness or injury. You may also be entitled to a Superannuation Top-Up Benefit. | Up to $4,200 per month determined by the number of hours per week that you work |
Remember to check your insurance
It's important to review your insurance regularly to make sure it’s right for you, especially when your circumstances change.
With insurance through GESB Super, you have the option to:
- Increase, decrease or fix your cover:
You can apply to increase or choose to decrease or fix the amount of your cover, at any time, through Member Online.Find out how to change your insurance or make a claim.
- Opt out of your cover:
You can opt out of part or all of your cover in Member Online. Please remember that if you’d like to reinstate or increase your insurance cover in the future, you’ll need to apply and meet eligibility criteria.
1 SuperRatings Smart database as at 31 March 2025. Based on an average balance of $50,000, fees for the My West State Super plan, the My GESB Super plan and the RI Allocated Pension Balanced plan are below the industry median. Fees includes administration, investment, and transaction fees and costs. Fees may change periodically.
Thank you for printing this page. Remember to come back to gesb.wa.gov.au for the latest information as our content is updated regularly. This information is correct as at 06 June 2026.