If your insurance cover has lapsed as a result of your account being deemed inactive, it can be reinstated within 3 months of the insurance cover lapsing provided a Superannuation Guarantee contribution which is sufficient to cover the next insurance premium is received within 3 months of the cover lapsing.

If a Superannuation Guarantee contribution is not received within 3 months of the cover lapsing and you wish to reinstate insurance cover, full underwriting is required.

If your insurance cover has lapsed as a result of insufficient money to cover the next premium, it can be reinstated within six months of the insurance cover lapsing provided all outstanding premiums are received within 6 months of cover ending.

If sufficient funds are not received within 6 months of the cover lapsing and you wish to reinstate insurance cover, full underwriting is required.

New Events cover applies to any reinstated cover until you have been in Active Employment for 30 consecutive days or you apply for Full Cover.

If your cover ceases because you commence military service, then your cover can be reinstated without undergoing full assessment and acceptance by our Insurer provided you active duty outside Australia was for a period less than 12 consecutive months. Contact GuildSuper to find out if reinstatement of cover is possible and on what terms.

For more information about insurance cover please refer to the GuildSuper Insurance Guide.