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Most of our members have insurance cover provided through their Mercy Super account for Death, Terminal Illness, Total & Permanent Disability and Income Protection. With many of our members at the frontline in the battle against the spread of COVID-19 through the community it is important to remember that the insurance cover provided through your Mercy Super account covers you for pandemics including COVID-19. 

No. There are no specific exclusions for a pandemic or COVID-19 in the insurance policies supporting the insurance cover you have with Mercy Super. 

Yes. As there are no specific exclusions for COVID-19 you will be covered under the normal terms and conditions relating to a claim. 

You are provided with worldwide cover 24 hours a day, so you are covered in Australia and overseas. 

Important – exclusions for countries with “do not travel” warnings 

If you’re travelling overseas you should note that there is an exclusion on insurance cover for claims arising as a result of being in a country listed on the Department of Foreign Affairs & trade website that is subject to a “Do not travel” warning that was issued more than three days before you were in the country. With the global outbreak of COVID-19, there are more countries added to this website which you can find here.

Unfortunately no. Income Protection benefits are payable once Mercy Super’s insurer has determined that you have suffered a sickness or an injury that satisfies the definition of Total or Partial Disability, and the waiting period has elapsed. You can find out further details on the criteria for claims in our Insurance in your super guide. 

Thinking of making a claim?

If you need to make an insurance claim the first thing you should do is contact us. We’ll explain the forms and steps involved and make sure you’re looked after throughout the process.

You can find out more, including our Making a Total and Permanent Disablement claim and Making an Income Protection claim fact sheets.