smartMonday PRIME - when joining via your participating employer:

Generally, if you are eligible, automatic cover will commence in your smartMonday account if:

• your account balance has reached $6,000; and

• you are aged 25 years or more.

You may be able to turn your cover on before meeting the above criteria. The Welcome Pack you receive when you join smartMonday will have information about how to do this.

Automatic cover will be limited to New Events until you are ‘At Work’ for 30 consecutive days, at which time your cover will convert to Full Cover. New Events cover means that you’ll only be covered for an injury or sickness that occurs or becomes apparent after your cover commences.

Other important eligibility criteria apply. See the relevant smartMonday PRIME PDS Insurance guide for more information and situations where you might not be eligible for cover.

smartMonday PRIME - when joining as a personal member via application:

Automatic cover is available to eligible members under age 65 who opt-in to cover on the Application form. (You can also opt-in within 90 days of receiving your Welcome Pack. Applications for cover received after 90 days will be subject to approval by the insurer).

Cover will be limited to New Events for the first 24 months. This means you’ll only be covered for an injury or sickness that occurs or becomes apparent after your cover commences. Cover will convert to Full Cover once you are At Work for 30 consecutive days at the end of the 24 month period.

Other important eligibility criteria apply. See the smartMonday PRIME PDS Insurance guide for more information and situations where you might not be eligible for cover.

To ensure your superannuation savings are not eroded by the costs of insurance cover, your cover may be cancelled if:

• Your smartMonday account balance is insufficient to support the monthly deduction of insurance costs. The balance you maintain will depend on the cost of your insurance, which can vary on a number of factors such as your age, occupation, and any special loadings you may have. We’ll contact you before cancelling any insurance cover in your account.

• Your smartMonday account becomes ‘inactive’ which means it has not received any contributions for 16 consecutive months (unless you have made a written election to keep your cover).

• It has ceased for other reasons as set out in the relevant Insurance guide. We’ll contact you before cancelling any insurance cover in your account

If you’re already a member and not sure what cover you have, you can login to see the details.

Or talk to a smartCoach
Contact a smartCoach today on 1300 262 241, or email smartcoach@smartmonday.com.au.