Insurance in your super
As a GESB member, you may have insurance through your super.
The type of insurance you have will vary depending on the account you hold with us.
Check if you have insurance with your super
To check if you have insurance through your GESB account, login to Member Online.
Have you recently joined GESB? Read our new member insurance page for things you should know as a new member.
Insurance through GESB and West State Super
If you have a GESB Super account or a West State Super account, automatic basic insurance may have been applied to your account when you joined (if you were eligible).
Your insurance premiums are deducted directly from your account each month. Find out more about what you're covered for, premiums and waiting periods.
Types of insurance cover
You may be covered for:
Death
A one-off lump-sum payment in the event of your death (and includes a terminal illness benefit).
Total and Permanent Disablement (TPD)
A one-off lump-sum payment if you are totally and permanently disabled and can’t work because of that condition.
Salary Continuance Insurance (SCI)
A monthly income of up to 75% of your pre-disability income for up to two years if you become disabled due to sickness or injury.
Is your insurance right for you?
As your life changes, so might your insurance needs. You can:
- Review your insurance using our simple three-step checklist
- Try the needs analysis calculator to work out how much cover you might need
- Change or opt out of your cover using Member Online
Transferring other insurance to GESB
If you have Death, TPD or SCI insurance (also known as Income Protection Insurance) under an insurance policy held through another superannuation fund or an individual retails policy, you can apply to transfer that cover to GESB.
Check you're in the right insurance category
When you're provided with insurance, you're assigned an occupation category according to the information given to us by your employer, or by you yourself when applying. The category you're in impacts the premiums you pay, so it's important to make sure you're in the correct category.
Are you eligible for our Professional and Executive category?
Are you eligible for our Professional and Executive category?If you're a GESB Super or West State Super member, you might be eligible to lower your premiums with our Professional and Executive category.
Has your work situation changed?
To continue to be covered by insurance in your super, you generally need to be receiving Superannuation Guarantee (SG) contributions from your employer.
If you stop receiving SG contributions, your insurance may cease following a pre-determined period.
Taking unpaid leave
Learn about unpaid leaveThe impact your leave will have on your super and insurance cover depends on the length of time you take and the reason why you take it.
Changing from casual to non-casual
Learn more about eligibilityIf you were initially employed as casual and it changes to non-casual with the same employer, you may be eligible for Special Conditions Cover.
Impacts of menopause
Go to resourcesMenopause can affect women’s health, wellbeing and ability to work, which can result in some women taking a career break or retiring early. We've partnered with our insurer to help our members learn more.
Understanding insurance
Here are extra resources that may help you understand how insurance in super works and how it could benefit you if you become sick or injured.
Read our insurance guides
For full details about how insurance applies to GESB Super, West State Super and Gold State Super accounts, read our information brochures.
Attend a webinar or seminar
View our range of online webinars and in-person seminars to find a topic that answers your questions about super.
Insurance through Gold State Super
If you have a Gold State Super account, are under 60 and are making contributions, you're automatically covered.
Need help
- Read answers to some frequently asked questions
- Call us on 13 43 72
- Use Live chat
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 27 April 2024.