Popular customer questions
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Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
If you have missed a monthly instalment payment, you easily can make a one off payment via your My Suncorp account to catch up.
Home & Contents
You can renew your policy online by logging into My Suncorp (via desktop or mobile) or going into your bank and paying with BPAY.
No, there is no legal requirement for you to have Landlord Insurance. However, if you take out a loan to pay for your investment property, taking out Landlord Insurance may be a requirement of that loan.
While Home and Landlord Insurance may sound like the same thing, they are classed differently because, as a landlord, you receive an income through rent.
Your Home Insurance may not cover you if the property is let out to tenants.
You should consult your PDS to confirm that you know exactly what you’re covered for. Please contact us if you’re unsure.
See other Home & Contents FAQs: Strata
If you hold another Suncorp Insurance policy, such as car insurance, we’ll apply a 5% discount on your Suncorp Life Insurance premium for the life of the policy.
In addition, if you add another adult to your policy, the youngest person will receive a 5% discount.
No. We calculate your premiums before you answer our health and lifestyle questions, so they will not decrease after completing the Health and Lifestyle section.
If the answers you provide during our life insurance application process put you outside our “standard lives” category, we may not be able to offer you cover.
Yes, you can make changes such as increasing or decreasing your amount of cover or changing your occupation after you have taken out a policy with us.
Yes, you can receive your Income Protection benefit as long as the total amount of income you are receiving from all sources during a claim does not exceed 75% of your monthly income, prior to the claim.
Your policy has a claim waiting period before any payments will begin. Payments are made one month in arrears, after the claim waiting period. You must be continuously disabled for this entire period.
See other Life Insurance FAQs: Funeral
COVID-19 Health Insurance
Pathology tests in an out-patient setting are covered by Medicare, and therefore aren’t covered by Suncorp Health Insurance. It’s best to check with Medicare to determine what tests are covered and whether you’ll experience any out of pocket costs.
If your Hospital cover provides cover for your treatment, you’ve served your waiting period (including waiting periods for pre-existing conditions) and are admitted as inpatient, your test will be covered.
To support members, coverage has been temporarily expanded for chest, lung, kidney or other treatment related to COVID-19 across all levels of Hospital cover at no additional cost until 30 September 2021. You'll just need to have served the standard two-month waiting period before requiring treatment. Along with other health insurers across Australia, any treatment for COVID-19 as an outpatient that is covered by Medicare will not be covered by Suncorp Health Insurance. To review your level of cover, log in to your My Account or call us on 13 11 55.
The Australian Department of Health announced the COVID-19 vaccine will be provided at no cost to all Medicare-eligible Australians, permanent residents and temporary visa holders who are aged 16 years and older. You will not need to use your private health insurance to cover the cost of the vaccine.
For more information relating to the COVID-19 vaccine, including the Australian Government’s roll-out strategy and eligibility criteria, visit health.gov.au/initiatives-and-programs/covid-19-vaccines
If you have any upcoming appointments with the dentist, physio or other health care providers, it’s important you contact them about your COVID-19 related questions.
For more information on the Australian Government management of the outbreak, travel restrictions and advice, contact the National Coronavirus Health Line on 1800 020 080. Otherwise, visit their website for more information.
To support the mental health of Health Insurance members, Suncorp Health Insurance has temporarily expanded cover for psychology to eligible members until 30 September 2021. For more information please call 13 11 55.
The telehealth services that we introduced during the pandemic to help access a range of Extras services are here to stay. For more information please call 13 11 55.