COVID-19 and your Death and Total and Permanent Disablement cover

- 31 Mar 2020


Insurance can give you peace of mind, as it provides financial support to protect the one's you love during times of difficulty.

Two female police officers standing

Since the onset of COVID-19, ESSSuper continues its focus on serving you our members. As the impacts of the pandemic unfolds, there have been a few questions about our insurance cover and we understand that our members require clear information on our products and services.

For Defined Benefit members

All of our Defined Benefit (DB) members will continue to receive cover in their DB Schemes underwritten by the Victorian Government, COVID-19 has no impact on existing Death and Total and Permanent (TPD) benefits provided under the DB Schemes. All claims submitted by members will be assessed under the existing claims assessment criteria. For further information, the Claiming a disability benefit brochure.

For members with Accumulation Plan insurance cover

For members with Death and TPD insurance cover in our Accumulation Plan, which is underwritten by CommInsure, COVID-19 has no impact on the existing insurance cover held by members. Members who are impacted by COVID-19 wishing to make a claim should contact our Member Service Centre on 1300 650 161.

Our Death and TPD Insurance policy contains a pandemic exclusion for new members or members who reinstate or take out new cover. CommInsure has not exercised the exclusion at this time and our insurer will continue to assess and pay any claims for our members who may be affected by COVID-19.

Our Income Protection policy does not contain a pandemic exclusion.

For further information about our Accumulation Plan insurance offer, please refer to the Insurance Guide (AP.2).

We're here to help 

If you have any questions, please email, or alternatively please call our Member Service Centre on  1300 650 161 and we'll be happy to help.

ESSSuper provides insurance cover in the Accumulation Plan to members through group insurance policies that the Board holds with the Colonial Mutual Life Assurance Society Limited (CMLA), otherwise known as CommInsure. CommInsure is used under licence by CMLA, CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business. There will be no changes to your insurance arrangements as a result of this change in ownership of CMLA. Copies of the insurance policy documents are available on request. Cover is subject to the terms of the applicable policy.


  • ESSSuper
  • Announcements
  • Insurance
  • Significant events

Related News