Defined benefit fund insurance

Your defined benefit fund has insurance built in. If you would like extra insurance, you might want to consider an Accumulation Plan.

If you’re fortunate enough to belong to one of ESSSuper's defined benefit funds (i.e. the ESSS DB Fund or the New, Revised, SERB or Transport Scheme), then the hassle of choosing insurance units is taken care of for you.  

How is your insurance calculated?

Death and disability cover is calculated based on your salary, length of service and personal contribution rate.  The amount of your Death & Disablement benefits are shown on your Annual Benefit Statement each year.

Need more info on your ESSSSuper defined benefit fund?

You can find more information on how your defined benefit fund insurance is calculated by reading the relevant product discloure statement or handbook for each fund as follows:

• Download the ESSS DB Fund Product Disclosure Statement
• View the New Scheme Handbook
• View the Revised Scheme Handbook
• Visit the SERB Scheme page
• Visit the Transport Scheme page

Would you like more cover?

If you require more cover that your defined benefit fund provides, you can apply for additional death and disablement cover through the Accumulation Plan. Check out our Insurance Guide.