Insurance in your super
Insurance cover is essential in providing financial protection and security to you and your family.
CBUS is proud to offer our members insurance options that can be tailored to meet the needs of people working in the building, construction and allied industries.
Types of cover
Having the right insurance means you can rest easier. If something happens and you can't work, you'll have support when you need it most.
Make a claim
We’re here to guide you through the claims process and support you when you need it.
Change or update your insurance
We can help you review your cover based on your life stage and financial needs.
Get CBUS insurance
Make the switch to CBUS and apply for insurance cover when you join.
Insurance claims
3,824
In 2025/2026, CBUS accepted 3,824 claims for our members and their families.
$411.3M
In 2025/2026, CBUS paid out $411.3Min benefits to our members and their families.
Insurance that gets you
Insurance is there to support you if something happens. It can help look after you and your family. If you’re under 25 and have less than $6,000 in your account, you may still get automatic cover in a manual occupation category under a dangerous occupation exemption.
Insurance options to suit your job
We understand high-risk working conditions. We offer tailored insurance to suit your job, with premiums paid directly from your super rather than your salary.
Cover to suit your needs
Most members receive cover automatically, with no health checks and no hassle. Plus, you can change your cover to suit your needs.
Peace of mind for you and your loved ones
You can let us know who you want to receive your super if the worst were to happen, by nominating at least one binding beneficiary.
Loyalty rebate for loyal members
We’re giving eligible* long-term members a loyalty rebate on insurance costs, putting more money aside for your retirement.
Support for young members
Members under 25 with less than $6,000, we can provide automatic cover in the 'manual occupation' category via a dangerous occupation exemption.
Chat with a professional
Our Advice team can help you understand your insurance options, so you can choose cover that fits your work and lifestyle.
*Insurance Loyalty Rebate eligibility
We're giving eligible long-term members a loyalty rebate on Death, Total and Permanent Disablement (TPD) and Income Protection (IP) cover costs.
From 28 September 2024, you’ll be eligible for a rebate on your future insurance premiums if:
- You've held insurance for any period of time
- You first took out the insurance cover 10+ years ago
The rebate works like this:
-2% of insurance premiums if your cover was first activated 10 – 19 years ago
-4% of insurance premiums if your cover was first activated 20+ years ago
If you joined CBUS from Media Super on April 9 2022, we’ll use the date you first joined Media Super to determine your eligibility. Former EISS accumulation members who transferred to CBUS on 12 May 2023, we’ll use the date you joined EISS to determine your eligibility.
Disclaimer
Insurance is issued under a group policy with our insurer TAL Life Limited ABN 70 050 109 450 AFSL 237848. The information in this insurance section provides a brief overview of the insurance types available through CBUS. It does not include all eligibility conditions for acceptance or payment of insurance benefits. For more information, we recommend you read the appropriate Product Disclosure Statement, Target Market Determination and the relevant Insurance Handbook for your membership.