Insurance Code of Conduct

The Insurance in Superannuation Voluntary Code of Practice (the Code)  is currently being reviewed to align it with recent changes in legislation. As a consequence, WA Super has put on hold any further changes relating to the Code pending the outcome of the review. We will republish an updated transition plan once the review has been completed.



Code standards 



Enquiry on existing insurance cover (Sections 13.1 to 13.2F)

Currently Comply 


Premium adjustments and promoting our insurance cover (Sections 8.1 to 9.1H)

  • We will update our processes to ensure we comply with how we promote our insurance cover and disclose any premium adjustment payments or not

30 Sept 2019 


Cancelling and reducing insurance cover, reinstatement of cover and duplicate insurance cover (Sections 4.18 to 4.22)

  • We will review update our procedures to align with the requirements of these sections

Insurance premium refunds (Section 11)

  • Our premium refund procedures will be fully compliant with the Code requirements

Member communications (Sections 5, 6, 8, 9,10, 13 and 14.1)

  • We will make available our Insurance Key Facts Sheet on our website

  • We’ll provide relevant and easy-to-understand information when we promote our insurance cover or provide you with insurance cover. This will be on an ongoing basis when changes are made to your cover, or when requested by you.
  • We will provide you with any additional insurance details and options about your insurance cover in an annual statement

Handling claims (Section 7)

  • We will review our existing claim management processes and how we communicate to members making a claim to ensure compliance with the code

Staff and service providers (Section 12)

  • We will review our Outsourcing Policy to ensure it complies with the Code
  • We will review and/or develop new training/employee induction/new staff requirements to ensure staff are aware and comply with the standards

31 Dec 2019


Appropriate benefit design and affordable cover (Sections 4.3 to 4.17)

  • We will review our insurance design and our automatic cover to ensure that it is affordable and appropriate for our membership base.  This includes considering our member segments, such as younger members and members nearing retirement

  • We’ll explain the approach for our benefit design in our Insurance Strategy document, available on website

Cancellation of insurance cover (Sections 4.24 to 4.30)

  • We review our current automatic cancellation process and respective member communications to ensure we comply with the Code

30 June 2020


Code compliance (Section 14.2 to 14.4)

  • We will publish on our website an annual statement that covers our compliance with the Code.

30 June 2021

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