Frequently Asked Questions


How much cover do I need?
Finding the right level of life insurance cover is different for everyone and depends on your own individual circumstances. Things to consider when deciding how much cover you need may include; what stage of life you are at, whether you have dependents, what level of debt you have and the ongoing needs of your family and loved ones.

The Life Insurance needs calculator available on the website homepage can assist you in estimating the level of cover you may need to protect the future for your own little community.
Am I already covered by my superannuation fund?
If you are a member of an Australian superannuation fund you might already have some life insurance cover.

However, typically default life insurance cover within a superannuation plan only provides a fraction of the life insurance you actually need. So it’s important to find out what type of insurance you already have by either asking your superannuation fund or your employer. Then you’ll know where you stand, and whether you need extra cover. One thing to note: Australian superannuation plans don’t normally include serious or critical illness insurance of any kind.
What factors may affect my insurance premiums?
Depending on the product you choose, your premium may be determined by your type and level of cover, age, gender, smoking status, the number of children covered and any discounts you may receive.

You may also be required to take out a level of cover sufficient to meet the minimum premium. The premium amount also includes government charges such as stamp duty and taxes.
Do I need a medical check-up or blood test to be accepted?
You don’t need to have any medical examinations or blood tests to take out a Bendigo SmartCover policy. However you may be asked some questions about your health and medical history.
When does my cover start?
You are covered as soon as we accept your application. This is known as your Policy Commencement Date and is shown on your Policy Schedule.
We will send you a Policy Schedule which will outline your accepted benefits, Sum Insured, Policy Commencement Date and each cover’s Expiry Date.
Am I covered if I go overseas?

Yes, in most circumstances. Depending on what product you have purchased, you are covered 24 hours a day, 365 days a year almost anywhere in the world. However you must be residing in Australia at the time of application and when you receive the Product Disclosure Statement and Policy Document. Also keep in mind, your policy may not cover you in places subject to certain Australian Government travel warnings.

Can my partner apply as well?

Yes, anyone eligible can apply and you can enjoy a 5% joint policy discount for you and your partner when you both take out cover on the same policy.

How do I pay my insurance premiums?

To make it easy for you, you have the option of making your premium payment fortnightly, monthly or annually either by credit card or direct debit – allowing you to pay you premium in the way that best suits you.

What if I change my mind?
For whatever reason, you might change your mind about your policy. That’s why there is a 30-day cooling-off period, where you can cancel your policy and receive a full refund.

To cancel your policy within the cooling-off period, please contact the Customer Service team by emailing or phoning 1800 104 338 or writing to:

Customer Service
PO Box 1192
Chatswood NSW 2057                               
The cooling-off period starts from the earliest date of the date you receive your policy documents from us or the end of the fifth day after we send these documents to you.
There’s just one exception: the cooling-off period automatically ends if you make a claim.
How do I make a claim?

We understand that making a claim can be a difficult and emotional time and we are here to ensure that you get the assistance you need to make the process as straightforward as possible.

In the event of a claim, follow these simple steps.

1. Call or email us for a claims form:
2. Mail your completed claims form to:
Claims Team
PO Box 1192
Chatswood NSW 2057
To process the claim we may need additional information. We may ask for medical documents or other information, for which the person making the claim may need to pay.
Once we have received all relevant information and the claim has been approved by us, the Insured’s benefit will be paid.
Can I increase or decrease my cover after I have taken it out?

You can decrease your cover (subject to the minimum Sum Insured or premium requirements) at any time by contacting us. 

You can apply to increase your cover (up to the maximum amount allowed at you age of joining) at any time. To increase your cover you may need to answer some additional health and lifestyle questions.

Can I nominate who receives the benefit under my policy?

Yes, if you are the Policy owner you will be asked if you would like to nominate a beneficiary or beneficiaries under your policy when you apply for cover. You can nominate up to 5 persons to receive your benefit and the percentage of benefit they each receive.

Who is AIA Australia?

AIA Australia Limited is an independent life insurance specialist with over 40 years of experience building successful partnerships. One of the country’s leading life insurers, AIA Australia offers a range of products that protect the financial health and welfare of more than two and a half million Australians.

AIA Australia is the country’s largest group life insurer by market share and works closely with major financial institutions and corporate partners to provide life insurance solutions for their customers.

In addition, AIA Australia offers retail insurance products through financial advisers and a valued network of affinity partners.

By having a partnership philosophy at the core of its business, AIA Australia is focused on building genuine relationships and delivering real value to its business partners. Numerous industry awards over the past year, including the 2012 Smart Investor Life Insurer of the Year, 2012 and 2013 ANZIIF Life Company of the Year and 2012 Super Review / Heron Partnership Group Insurer of the Year, stand as testament to our commitment to building real partnerships.

AIA Australia is part of the AIA Group, a market leader in life insurance across the Asia Pacific region with over 90 years experience.


The Bendigo Life™ suite of products is distributed by AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109, including through its authorised representatives, and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia).

Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) is a distributor of the Bendigo Life suite of products only; it does not sell, issue or guarantee these products.

Descriptions of product benefits and features are a summary only. Other terms and conditions also apply as described in the Product Disclosure Statement available on this site. This information is subject to change.  It has been prepared without taking into account the objectives, financial situation or needs of any individuals and you should consider the appropriateness of this information in these contexts before acting on it.  You should consider the Product Disclosure Statement in deciding whether to acquire or continue to hold a financial product.