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Female BUSSQ members automatically receive an additional 50% of default insurance cover while pregnant at no additional cost.
This additional benefit is payable if an event directly related to the pregnancy causes total and permanent disability or death. So someone whose default four units of Death and TPD insurance provides cover of $200,000 will be covered for $300,000, with no additional premium payable.
For this benefit to be payable, the member must have become pregnant after she joined BUSSQ (regardless of whether or not she knew she was pregnant), and the Death, Terminal Illness or Total
and Permanent Disablement can not have arisen directly or indirectly from:
• Elective pregnancy termination
• The intentional act or omission of the member
• Drug or alcohol abuse
• Suicide, attempted suicide, self-inflicted action whether intended or not
• Uncomplicated pregnancy, miscarriage or childbirth
• A pre-existing Condition
See changes to insurance effective 1 March 2017
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