No, super funds have option, but are not required, to provide income protection cover. If you are covered by an income protection policy under your super fund, this is generally called a group policy and the cover is usually provided automatically without you having to answer any health questions.

If however, you take out a private policy, you usually have to answer health questions before you are covered. This can result in pre-existing exclusion clauses being added to the private policy terms which can be used to decline claims – but often with our help we can make sure you receive your full policy entitlements.