Find the insurance form you need below.
Insurance application form
If you’d like to apply for insurance cover, you’ll need to complete an insurance application form. You can find this form by logging in to your online account or by calling us on 1300 55 7568.
When completing an insurance application form it’s important to know that:
Apply to increase your insurance without health evidence
Your plan may offer the option to increase your insurance cover without providing health evidence.
If you’ve had one of the specific life events (as listed in your Insurance Guide) and you’re aged between 15 to 64, you may be able to increase your Death and Total & Permanent Disability (TPD) insurance. Life events includes such things as getting married, buying your first home or having a child.
Log in to your online account to check if your plan provides this option.
Consolidate your insurance
If you’re like many Australians, you’ve probably got a few super accounts and may have insurance through these as well. Find out more about why bringing your super and insurance together in one account makes sense.
To consolidate your insurance, check if your plan provides this option by logging in to your online account, and look for the Transfer your insurance form.
Changing or cancelling your cover
Younger Plum Super members and members with low super balances
Use this form to tell us if you want insurance in super or if you don’t want us to provide cover automatically.
We’re not able to automatically provide any insurance until you’re at least age 25 and your account balance has reached $6,000 (unless your employer pays for your insurance). Find out more about Putting Members’ Interests First (PMIF) before completing this form.
Use this form to tell us that you’d like to reinstate your insurance in super that was cancelled because you’re not at least age 25 and your account balance hasn’t reached $6,000.
Keep your cover if you have an inactive account
Use this form to let us know that you’d like to keep your insurance offered through your super account—even if your account becomes inactive (over 16 months without a contribution or rollover).
Nominate a beneficiary
Learn more about the Plum Personal Plan update to the Total & Permanent Disablement (TPD) definition from 1 August 2021
View the latest Premium Rates for Plum Personal Plan, BHP Super Plan (Retained Benefits Division & Spouse Division) & BHP Superannuation Fund (Retained Benefits Division) effective up to 1 August 2021
When you pass away, your super can be paid directly to certain eligible dependents or your legal personal representative. You can nominate who it will be paid to by completing a binding, non-binding or reversionary nomination. You can view the Nominate a beneficiary for your super section for more information.
Benefit payment period
The maximum amount of time that a Salary Continuance Insurance (SCI) benefit may be paid for.
These are set out in the insurance policy. You’ll find more information about eligibility requirements in the relevant Insurance Guide which forms part of the Product Disclosure Statement (PDS).
Super account that hasn’t received a contribution or a rollover for 16 months.
Significant life events such as, completing university, getting married or divorced, having or adopting a child and taking out a mortgage or loan. You may need to review your insurance when a life event happens to you to make sure your life insurance cover, and the amount of insurance cover, meets your changing financial protection needs.
The rating that applies to your occupation which is determined not by job title but by duties that are carried out. It’s important to make sure your occupation rating is correct (particularly if you change jobs or roles) because it could impact your insurance and the premiums you pay. An incorrect occupation rating classification or employment status may impact your eligibility for insurance cover. It could also mean that you’re paying incorrect premiums for your insurance cover – particularly if your occupation is classified as special risk or not insurable. If you change the work you’re doing, you should also make sure your occupation rating is up to date – it’s your responsibility.
Premiums are charged by the insurer and are calculated based on the type and amount of insurance you have. Premiums can also vary based on things like your age, gender, and occupation. Your health history and lifestyle may impact your premiums in the event you choose to increase your insurance.
Insurance cover can be automatically provided without evidence of health or medical information. On the other hand, “underwriting” refers to insurance that is provided only after an assessment by the insurer based on individual personal, employment and health information. The amount and type of insurance cover that the insurer is prepared to offer and the cost of the insurance is based on the level of risk to insure you. Once you have been through the underwriting process, the insurer will be able to decide whether or not to provide you with insurance cover, what type, and how much.
When the insurer determines that a member's individual circumstances mean the risk of providing insurance cover for them is too high, mainly due to employment or health reasons and so insurance cover is unable to be provided. If you move from an insurable to a not insurable occupation rating classification, you’ll generally only keep your Death & Total Permanent Disablement insurance cover and you may lose any Income Protection cover you have. If your occupation rating falls into a not insurable category, any claim you make will be declined even if you’ve paid premiums. See also "underwriting".
The minimum time period you must wait before you start receiving your SCI benefit payment, for example 30, 60 or 90 days–see your relevant Insurance Guide.