Change your cover
You can reduce, cancel or apply to increase or change your cover at any time.
Cancel or opt-out of cover
Cancel your cover
To cancel or reduce your cover, you can:
- log in to Member Online
- call us on 1800 005 166
- complete and return the Manage your cover form.
Opt out of cover
You can opt out of cover within 30 days of your cover commencing. If you opt-out within 30 days, we’ll refund any insurance fees you’ve paid into your account.
To opt-out of cover, you can:
- log in to Member Online
- call us on 1800 005 166.
By cancelling or opting out of insurance, you:
- may have less cover than you need
- won't be able to make a claim for insurance benefits for events or conditions that arise after your cover has been cancelled
- will no longer have insurance costs deducted from your account, once your final costs have been deducted.
If you’re replacing your cover, you shouldn’t cancel your existing cover until the replacement cover is in place.
Before making changes to your cover, consider your circumstances and whether you need advice. You can chat to one of our super experts by calling us on 1800 005 166.
Get more cover
If you don't have cover or would like to increase your cover, you can apply for fixed cover. If accepted, any default cover you have will convert to fixed cover and be combined with the amount you applied for. If you fix your cover, you won't be eligible for default cover in the future.
Once you have fixed cover, the amount of cover you have will stay the same while the amount you pay for the cover will change as you get older.
To apply to increase your cover, you can:
- log in to Member Online
- complete and return the Apply for cover form.
Convert default cover to fixed cover
If you have default cover, you can convert this to fixed cover and keep the same amount of cover over time. Once you have fixed cover, the cost of you cover will change each year to reflect your age. If you fix your cover, you will not be eligible for default cover in the future.
To change your default cover to fixed cover, you can:
- log in to Member Online
- call us on 1800 005 166.
Transfer cover from another insurer
If you have insurance elsewhere, you can apply to transfer that cover to us (subject to conditions).
To apply to transfer cover to Spirit Super, you can:
- log in to Member Online
- complete and return the Transfer insurance cover form.
Life events cover
If your personal circumstances have changed, you can apply to increase your cover without having to provide detailed health information (subject to conditions).
To apply for life events cover, you can:
- log in to Member Online
- complete and return the Life events form.
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