MemberCare Loan Insure is complete personal loan protection. It is designed to protect a borrower’s loan repayment obligations in the event of their death, disability, involuntary unemployment or trauma.

What is covered?

Four main covers are in effect 24 hours a day, 7 days a week including:

Death cover
Disability cover
Involuntary Unemployment cover
Trauma Cover

Death Cover

In the event of your death, we will pay to your financial institution the outstanding balance of your loan to a maximum of $250,000.

Disability Cover

If you are unable to work because you have suffered an injury or illness, we will pay the repayment shown on your policy schedule for this cover to your financial institution for each fortnight/month you are disabled.

Involuntary Unemployment Cover

If you are unable to continue your permanent employment as a direct result of involuntary dismissal or retrenchment by an employer, we will pay the amount shown on your policy schedule to a maximum of $1,500 per month for a 3 month period up to a total of $5,000.

Trauma Cover

Receive payment of up to $50,000 or the balance of your outstanding loan whichever is the lesser when diagnosed with disease or disability including heart attack, stroke, cancer, and more.

Policy limits, exclusions and Policy Wording are available here to download in the MemberCare Loan Insure Product Disclosure Statement.
To receive a copy in the mail, call us on 1800 636 430.

You may also talk to your local financial institution to see if this cover is right for you.

Making or enquiring about a claim?

Please have your Policy or Claim Number ready and call our Claims Team for assistance on

1800 226 122

Looking for insurance cover?

Talk to your local financial institution branch about our MemberCare insurance products.

Insurance policies are issued by CUNA Mutual Life Australia Limited ABN 83 089 981 073 AFSL 245292 and CUMIS Insurance Society Inc. ABN 72 000562 121 AFSL 245491 (Incorporated in the United States . The members of the Society have no liability.) trading as CUNA Mutual General Insurance . Before making a decision about your insurance needs please refer to the Product Disclosure Statement available from your local financial institution.

Making a claim is easy.

Find online forms and instructions here to make a claim on your MemberCare policy. We’re happy to guide you through the process when you call us on 1300 660 727.

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CUNA Mutual Life Australia Limited ABN 83 089 981 073 is an AFS Licence holder (No. 245492) for the purposes of the Corporations Act 2001 (Cth) (“the Act”), and is authorised to advise and deal in life insurance products to retail and wholesale clients.

CUMIS Insurance Society Inc. ABN 72 000 562 121(Incorporated in the United States. The members of the Society have no liability.) trading as CUNA Mutual General Insurance is an AFS Licence holder (No. 245491) for the purposes of the Act, and is authorised to advise and deal in general insurance products to retail and wholesale clients.