For more information about your insurance options, take a look at your insurance handbook.
The Key Facts Sheet provides important information about our automatic death and total and permanent disablement cover (Basic Cover) provided to eligible Future Saver members.
Underwriting is the process an insurer takes to assess an insurance application.
It’s how they decide if they can offer any cover, the cost of cover, and if any special conditions will be applied. Insurance is underwritten by our insurer.
The insurer's decision is based on the applicant’s type and level of cover applied for, personal medical history, lifestyle information and occupation.
Underwriting may result in the insurer applying standard premiums rates or applying a premium loading, which means the insurance would cost more. .
It may also result in excluding some conditions from cover, deferring an application or denying the cover due to unacceptable high risk.
Some members are eligible for automatic insurance. This does’t require underwriting.
To find out what insurance you have, log in to Member Online or the app, then go to the Insurance tab.
You can make an insurance claim online in Member Online or you can contact us.
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