Insurance Changes Effective 1 November 2021

We have reviewed the insurance we provide to our members and are making some changes on 1 November 2021 so that:

  • Our insurance cover better aligns with what’s available from other super funds;
  • Our insurance product remains competitive; and
  • Our insurance product remains appropriate for the needs of our members.

Most Christian Super members will pay lower insurance premiums after 1 November 2021.


Summary of changes

There are four areas that are changing:

  1. Our Total and Permanent Disablement (TPD) Cover;
  2. Our Death Cover;
  3. Our Occupational Groups; and
  4. Insurance Premiums (i.e. how much you pay for your insurance cover).

Each of these changes is explained in more detail below.


1. Total and Permanent Disablement (TPD) Cover

How we define TPD

We are simplifying our current TPD definition to make it easier for eligible members to claim. At the moment, an insured member who is eligible to make a claim has to satisfy one of five distinct categories. From 1 November, there will only be two broad categories that an insured member can claim under. Subject to the terms of the new insurance policy:*

  1. An eligible insured person may claim if they are unable to work due to illness or injury; OR
  2. An eligible person may claim if they are unable to work due to mental illness or unable to complete two daily functioning activities (as defined in the new insurance policy) without the assistance of another adult, aid or adaptation.

Pilots of the Mission Aviation Fellowship will also be able to claim under the second category of this new definition, broadening their current cover.

Default TPD cover for members under 30 years old

‘Default’ insurance is cover that is automatically provided to eligible members. Members can change or cancel their insurance cover at any time.

From 1 November 2021, members under the age of 30 will receive the same amount of default TPD and Death cover. This also means that current TPD cover will automatically reduce for any members under 30 who have our default level of TPD cover. Members who have chosen their level of TPD cover will not be impacted by these insurance changes.

Insured members under the age of 30 currently receive more default TPD cover than death cover because younger members have had a greater need for TPD cover in the past.

After we reviewed our insurance offer, we decided that the current amount of default TPD cover for members under the age of 30 is no longer beneficial because:

  1. It increases the cost of insurance over a member’s lifetime, reducing the amount of money they have when they retire; and
  2. Some of the risks that previously warranted higher TPD cover for younger members are now covered by Government schemes (such as the National Disability Insurance Scheme).

If you are an insured member and would like to retain your existing level of default TPD cover, you can apply to do this by emailing Your application is subject to approval by our insurer.


2. Death Cover

Members can apply for additional insurance cover through their Christian Super account. We currently cap the amount of death cover you can apply for at $20 million. From 1 November 2021, members can apply for an unlimited amount of death cover subject to approval by our insurer.


3. Occupational Groups

To meet the specific insurance needs of members, Christian Super has historically categorised members into four different occupational groups. From 1 November 2021, the current Group 3 (Light Blue Collar) and Group 4 (Heavy Blue Collar) codes will be merged into one ‘Blue Collar’ Group. This will better align our occupational groups with other super funds.

This change will impact members currently in Group 3 and Group 4:

  • Members who are currently in Group 3 will pay more for their insurance from 1 November 2021.
  • Members who are currently in Group 4 will pay less for their insurance from 1 November 2021, and their ability to claim on their insurance cover will increase.

Details of the current and new occupational groups are outlined in the table below:

Occupational Groups Before 1 November 2021 Occupational Groups From 1 November 2021
Group 1 – Professional White Collar

Executives and senior professional workers who typically possess tertiary qualifications and hold a degree of authority of executive change.

E.g. lawyers, doctors, solicitors, accountants, headmasters, school business managers.

No change
Group 2 – White Collar

Tertiary qualified community professionals, clerical or relevantly certified workers.

E.g. teachers, clergy, social workers, office workers, personal assistants.

No change
Group 3 – Light Blue Collar

Skilled or trade based workers and supervisors in non-hazardous industries.

E.g. shop assistants, waiters, nurses, bus drivers.

Group 3 – Blue Collar

Skilled or trade-based workers and supervisors who are involved in light manual work in non-hazardous industries, or skilled/semi-skilled manual workers who are not exposed to high-risk accidents or health hazards.

E.g. nurses, shop assistants, bus drivers, jewellers, fully qualified tradespeople, computer technicians, gardeners, mechanics or store persons.

Group 4 – Heavy Blue Collar

Skilled or semi-skilled manual workers who are not exposed to high-risk accidents or health hazards.

E.g. cleaners, gardeners, mechanics, store workers.


4. Insurance Premiums

From 1 November 2021, the insurance premiums payable for each age group will change to better reflect their risk / likelihood to claim (i.e. members less likely to make an insurance claim will generally pay less than they used to). As a result, most members will pay less for their insurance.


Where can I find more information?

An updated Insurance Guide will be available on our website on 1 November 2021.

If you’d like to read our current Insurance Guide, please click here.

It’s a good idea to consider if your insurances are still appropriate whenever your circumstances change. Log in to your online MemberAccess account to view your current level of insurance cover.

If you have any other questions, click here to contact our friendly Member Care Team.

* From 1 November 2021, you will be able to request a copy of this policy from our Member Care Team if you would like to better understand the new definition.