Most Aussies don’t even realise they have insurance inside their super.

It’s automatic. Easy.

But is it enough?

Here’s the truth:

Super Fund Insurance = convenient, but often generic. It’s “one-size-fits-all.”

Retail Insurer = fully underwritten, tailored to you, and usually more reliable at claim time.

With super fund cover, you might not know what’s excluded. Many policies have limits or “default settings” that don’t actually fit your life.

With retail cover, you go through upfront health checks and questions. That might feel like a hassle, but it means you know exactly what you’re covered for.

And here’s the kicker → I’ve found that super fund insurance isn’t even cheap. In many cases, retail cover gives you stronger protection at a lower cost.

That’s a no brainer.

Bottom line → the cheapest cover is only cheap until claim time. That’s when the fine print matters.