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.

Insurance update

Cbus Super acknowledges that some of our members and claimants are experiencing unacceptably long delays in the processing of insurance claims and certain claims communications from us. 

We are deeply sorry for the stress and anxiety experienced by our members, claimants and their loved ones by these delays. This is not the experience we want for our members, claimants and their loved ones at an already difficult time in their lives. If you have questions about your claim, please call our specialist insurance team on 1300 722 152 between 9am-5pm (AEDT) Monday to Friday. 

We are committed to fixing these issues and working through the unresolved claims. We are also working with our administration partners to assign extra resources, improve claims processing and build better, more resilient systems for the future.

We thank our members and their loved ones for their patience and apologise again for any inconvenience we may have caused.



Make a claim

We’re here to guide you through the claims process and support you when you need it. 

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Manage your insurance

It’s easy to manage your insurance cover online. Check and update your cover anytime. 

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Get Cbus insurance

Make the switch to Cbus Super and apply for insurance cover when you join.

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Insurance that gets you

Everyone with insurance hopes they never have to use it. But it’s good to know you and your family will be looked after if anything happens.

For members under 25 and with less than $6000 in their account, Cbus Super can provide automatic insurance cover in the ‘manual occupation category’. We do this using a dangerous occupation exemption.


Insurance options to suit your job

We understand high-risk working conditions such as working from heights or underground. That’s why we offer tailored insurance to suit your job.


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.


Tailored insurance options

Insurance tailored to your industry, with premiums paid directly from your super rather than your salary.

In 2022/2023 Cbus accepted
claims for our members and their families.
In 2022/2023 Cbus paid out
in benefits to our members and their families.

Types of cover

Having the right insurance means you can rest easier. Because you know that if something happens and you can’t work, your plans won’t all go up in smoke. 

Death cover

If you die, your beneficiaries will receive a payment, in addition to your super.

TPD cover

If you’re permanently unable to work because of illness or injury, you may receive a lump sum insurance benefit into your super account.

Terminal illness cover

If you are terminally ill, you or your beneficiaries will receive a payment, in addition to your super.

Income protection 

If you're an Industry super member, you can apply for income protection through super.

Cover for the work you do

Your work category affects how much you pay for your cover, so it’s important you’re in the right category for the work you do.

Industry insurance cover

Insurance cover is essential in providing financial protection and security to you and your family. 

We understand high risk working conditions such as working from heights, working underground or in confined spaces. That’s why we offer tailored insurance options to suit your job. It’s an unpleasant thought, but what would you do if something happened to you and you were no longer able to work because of serious illness or injury? How long could your family survive without a regular income if you passed away?

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.

When you join Cbus Industry Super, most members qualify for our default level of Death and Total and Permanent Disablement (TPD) cover.

We also offer eligible members access to higher levels of cover appropriate to your circumstances and needs, as well as Income Protection cover.

The cost of insurance is paid direct from your super account, so you won't need to budget to make insurance payments provided you have enough money in your super account. You'll have peace of mind knowing you're covered. 

Read about our insurance strategy.

Insurance for Sole Traders

If you’re self-employed and operating as a sole trader or in an unincorporated partnership, you may be eligible for default Death and TPD cover when you join Cbus.

You’ll also be eligible for default Income Protection cover so if you’re temporarily unable to work because of an accident or illness, and you meet the requirements of the Cbus Insurance Policy, you’ll receive a regular income payment.

You can apply to change your cover any time after you join.

Insurance for Personal Super members

If you’re not receiving employer contributions, you can apply to become a Cbus Personal Super member.

After you join, you can apply for the insurance cover that gives you the level of financial protection you need.

Increase your insurance cover

To increase your insurance cover, login to your member account, click on the ‘Insurance' tab across the top and then click the button ‘Go to insurance online’.

Alternatively, you can download and complete an application form and send it back to us.

If you have any questions or if you’d like us to send you the form, call us on 1300 361 784.

Work categories

Cbus has four work categories, based on the duties you perform in your role. Each category has its own insurance scale that shows how much each unit of cover is worth.


You perform manual or physical work, and spend more than 20% of your working time outside an office environment. Manual cover is our default cover for members.

Manual insurance scales


You perform work of a clerical administrative, managerial or professional nature, and don’t perform any manual (physical) work and you spend a minimum of 80% of your time in an office environment.

Non-manual insurance scales 


You’re an electrical worker in a classification set out in schedule A of either the Electrical, Electronic & Communications Contracting Award 2020 or Electrical Power Industry Award 2020.

Electech insurance scales 


You perform work of a sedentary, professional nature, with an annual taxable income of more than $100,000 (which can be pro-rated for permanent part-time workers) and have a university qualification, or you’re a Senior or Executive Manager.

Professional scales

Change or cancel your insurance cover

Based on your stage of life and financial needs, we can help you work out whether you should change your level of cover. 

You can decrease, cancel or apply for additional insurance cover anytime. The choice is yours.

Change or cancel your insurance cover

Make a claim

We understand that if you need to make a claim you’re already going through a lot. Our goal is to make the claims process as easy for you as we can.

Get started

Nominate a beneficiary

Beneficiaries are the people you elect to receive your super, and any insurance benefits that may be payable, if you die.

Taking steps to make sure that your wishes are formalised can make it easier for the loved ones you leave behind. 

Learn more

Join Cbus

For nearly four decades we've been proudly representing hard working Australians. Members just like you.


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.