Increasing your cover

Increasing your cover

Increasing your level of cover

OnePath’s Group Insurance is typically provided on a ‘default’ basis, with automatic acceptance for employees or super fund members. This means you don’t need to undergo a medical or health assessment.

The benefit of default cover is that you don’t need to be medically assessed to get covered. The downside is that it only provides a minimum level of cover which may not be enough to protect your lifestyle.

OnePath’s underwriting process can help you personalise your group life insurance and access higher levels of cover.

How much cover do you need?

This may depend on factors such as your level of debt, savings and how many dependants you have.

A common rule of thumb is to have life cover that is 10 times your annual salary.

For personal advice, please contact your financial adviser, or call ANZ Financial Planning on 1800 626 855 to be put in touch with one.

Our underwriting approach

We aim to provide positive and consistent underwriting outcomes to our members. When you apply for additional cover, you can be confident that:

  • We will focus on getting you covered as quickly as possible.
  • We will give you an expert decision that’s in line with or ahead of the market.
  • If you don’t meet certain criteria, we will try to find alternative ways to get you covered.

How do you apply for additional cover?

When you apply for additional Group Insurance cover with OnePath, our underwriting team will assess things such as your occupation, medical history and pastimes. It uses this information to decide whether it can provide you with the additional cover applied for and, if so, what your new premium should be.

For example, if your application is accepted and you are a non-smoker, you may pay a lower-than-average premium because you are statistically less likely to claim than people who do smoke.

The benefit of underwriting is that your new level of cover will reflect  your personal circumstances, and if you have pre-existing medical conditions, you’ll know exactly what you are (and are not) covered for if you need to claim.

For more information please refer to our FAQs.


You can apply for additional cover at any time by contacting your super fund/employer and requesting a quote. If you choose to apply, you will be asked to complete either a paper application form or an electronic application online.


Contact your super fund:


Group Life Insurance and Group Salary Continuance Insurance are issued by OnePath Life Limited, ABN 33 009 657 176, AFSL 238341.

This information is of a general nature and does not take into account your personal needs and financial circumstances. You should consider whether the information is appropriate for you having regard to your individual objectives, financial situation and needs. You should consider the Group Life Insurance Product Disclosure Statement and the Group Salary Continuance Insurance Product Disclosure Statement available to consider whether this information or these products are right for you.

Where information is summarised in a brochure, information guide, or document other than the insurance policy itself, it does not represent a complete description of the terms on which the insurance cover is provided. It is agreed that the insurance policy represents the concluded agreement between the policy owner and OnePath. For a copy of the insurance policy, please contact your super fund/employer.