MEU Queensland

Are you on the hunt for discounted insurance for Union members and in the market for Personal Accident & Sickness cover? Then look no further. Coverforce is the appointed licensed brokers for the MEU Queensland Group Insurance Scheme.

As a policyholder under the scheme, not only do you get to look forward to cheaper rates, but you’ll also have access to instantaneous quotes, life cover add-ons of up to $500,000 & the ability to bind cover within minutes.

Jump straight to the section you need:

• Joining the scheme
• Policy documents
• Make a claim
• Contact our team

Join the MEU Queensland Group Insurance Scheme

1. Read the policy documents

You can access all the policy documentation in our downloads section here.

2. Complete a declaration of health if required

All members can join the scheme (provided aged under 70) with automatic acceptance but any pre-existing condition will be excluded.

Please complete the health declaration form below. Any disclosed condition will be referred to the insurer for acceptance as a pre-existing condition and we will notify you of the outcome. No cover is provided for pre-existing conditions until the insurer confirms in writing, if any pre-existing conditions will be covered.

It is NOT a requirement to complete the Declaration of Health, you can simply join the scheme by completing the direct debit or sending a completed payroll deduction form, but any pre-existing cover will be excluded.

Health Declaration Form

3. Select your sum insured

Select your sum insured from the rating matrix below, which can't exceed 85% of your gross income (inc. production bonuse and allowances).

Note: Life and TPD also available for $250K and $500K with rates available on request.

Type of Cover / Benefit Level	Weekly Sum Insured	Aged 29 and Under Weekly Premium	Aged 30 to 39 Weekly Premium	Aged 40 to 49 Weekly Premium	Aged 50 to 59 Weekly Premium	Aged 60 to 69 Weekly Premium
S&A – $330 Weekly Benefit Level	$330.00	$9.45	$11.25	$15.60	$16.20	$17.70
S&A – $440 Weekly Benefit Level	$440.00	$12.60	$15.00	$20.80	$21.60	$23.60
S&A – $550 Weekly Benefit Level	$550.00	$15.75	$18.75	$26.00	$27.00	$29.50
S&A – $660 Weekly Benefit Level	$660.00	$18.90	$22.50	$31.20	$32.40	$35.40
S&A – $770 Weekly Benefit Level	$770.00	$22.05	$26.25	$36.40	$37.80	$41.30
S&A – $880 Weekly Benefit Level	$880.00	$25.20	$30.00	$41.60	$43.20	$47.20
S&A – $990 Weekly Benefit Level	$990.00	$28.35	$33.75	$46.80	$48.60	$53.10
S&A – $1100 Weekly Benefit Level	$1,100.00	$31.50	$37.50	$52.00	$54.00	$59.00
S&A – $1210 Weekly Benefit Level	$1,210.00	$34.65	$41.25	$57.20	$59.40	$64.90
S&A – $1320 Weekly Benefit Level	$1,320.00	$37.80	$45.00	$62.40	$64.80	$70.80
S&A – $1430 Weekly Benefit Level	$1,430.00	$40.95	$48.75	$67.60	$70.20	$76.70
S&A – $1540 Weekly Benefit Level	$1,540.00	$44.10	$52.50	$72.80	$75.60	$82.60
S&A – $1650 Weekly Benefit Level	$1,650.00	$47.25	$56.25	$78.00	$81.00	$88.50
S&A – $1760 Weekly Benefit Level	$1,760.00	$50.40	$60.00	$83.20	$86.40	$94.40
S&A – $1870 Weekly Benefit Level	$1,870.00	$53.55	$63.75	$88.40	$91.80	$100.30
S&A – $1980 Weekly Benefit Level	$1,980.00	$56.70	$67.50	$93.60	$97.20	$106.20
S&A – $2090 Weekly Benefit Level	$2,090.00	$59.85	$71.25	$98.80	$102.60	$112.10
S&A – $2200 Weekly Benefit Level	$2,200.00	$63.00	$75.00	$104.00	$108.00	$118.00
S&A – $2310 Weekly Benefit Level	$2,310.00	$66.15	$78.75	$109.20	$113.40	$123.90
S&A – $330 Weekly Benefit & $150K Life TPD	$330.00	$31.95	$33.75	$38.10	$38.70	$40.20
S&A – $440 Weekly Benefit & $150K Life TPD	$440.00	$35.10	$37.50	$43.30	$44.10	$46.10
S&A – $550 Weekly Benefit & $150K Life TPD	$550.00	$38.25	$41.25	$48.50	$49.50	$52.00
S&A – $660 Weekly Benefit & $150K Life TPD	$660.00	$41.40	$45.00	$53.70	$54.90	$57.90
S&A – $770 Weekly Benefit & $150K Life TPD	$770.00	$44.55	$48.75	$58.90	$60.30	$63.80
S&A – $880 Weekly Benefit & $150K Life TPD	$880.00	$47.70	$52.50	$64.10	$65.70	$69.70
S&A – $990 Weekly Benefit & $150K Life TPD	$990.00	$50.85	$56.25	$69.30	$71.10	$75.60
S&A – $1100 Weekly Benefit & $150K Life TPD	$1,100.00	$54.00	$60.00	$74.50	$76.50	$81.50
S&A – $1210 Weekly Benefit & $150K Life TPD	$1,210.00	$57.15	$63.75	$79.70	$81.90	$87.40
S&A – $1320 Weekly Benefit & $150K Life TPD	$1,320.00	$60.30	$67.50	$84.90	$87.30	$93.30
S&A – $1430 Weekly Benefit & $150K Life TPD	$1,430.00	$63.45	$71.25	$90.10	$92.70	$99.20
S&A – $1540 Weekly Benefit & $150K Life TPD	$1,540.00	$66.60	$75.00	$95.30	$98.10	$105.10
S&A – $1650 Weekly Benefit & $150K Life TPD	$1,650.00	$69.75	$78.75	$100.50	$103.50	$111.00
S&A – $1760 Weekly Benefit & $150K Life TPD	$1,760.00	$72.90	$82.50	$105.70	$108.90	$116.90
S&A – $1870 Weekly Benefit & $150K Life TPD	$1,870.00	$76.05	$86.25	$110.90	$114.30	$122.80
S&A – $1980 Weekly Benefit & $150K Life TPD	$1,980.00	$79.20	$90.00	$116.10	$119.70	$128.70
S&A – $2090 Weekly Benefit & $150K Life TPD	$2,090.00	$82.35	$93.75	$121.30	$125.10	$134.60
S&A – $2200 Weekly Benefit & $150K Life TPD	$2,200.00	$85.50	$97.50	$126.50	$130.50	$140.50
S&A – $2310 Weekly Benefit & $150K Life TPD	$2,310.00	$88.65	$101.25	$131.70	$135.90	$146.40
Life & TPD Only $150,000	N/A	$22.50	$22.50	$22.50	$22.50	$22.50

4. Set up a payment method

Payment can be made via direct debit or payroll deduction (if offered by employer).

• Direct Debit:
  Please complete a Direct Debit Form and cover will then commence from the first deduction. Please use your union member number for the reference number (if unknown then please use your surname).
• Payroll Deduction:
  Please complete a Payroll Deduction Form and lodge it with your employer. Please also provide us with a copy via email at admin@coverforce.com.au.

Downloads

Please click the document you require to start your download.

Note: Many of our downloads are in PDF format and require you to have Adobe Reader installed on your computer to view. If you do not have Adobe Reader installed click here to download a free copy now.

INCOME PROTECTION (Weekly Accident & Sickness Benefit)

• Financial Services Guide
• Fact Sheet
• Policy Wording and Product Disclosure Statement
• Target Market Determination
• Ezi Debit Form - Member
• Declaration of Health for Sickness and Accident Cover
• Insurance Benefit Levels and Premiums

Health Declaration for Pre-existing Condition Coverage Consideration: Pre-existing conditions are not covered until the insurer provides written confirmation specifying which, if any, pre-existing conditions will be covered.

DEATH & PERMANENT DISABILITY & LIFE COVER

• Financial Services Guide
• Fact Sheet
• Policy Wording and Product Disclosure Statement
• Target Market Determination
• Ezi Debit Form - Member
• Group Life Individual Application Form
• Insurance Benefit Levels and Premiums

A requirement of joining the life cover is that all new members must complete a declaration of health. No cover will be available until the insurer confirms acceptance.

Sum insured can be extended to the following limits - $250,000 and $500,000.

Individual Application is required for the insurer to confirm acceptance. This cover can only be taken in conjunction with Death by Sickness Cover provided by AIA Life.

CLAIM FORMS

• Sickness and Accident Claim Form
• Death and TPD (Accident Only) Claim Form
• Funeral Benefits Claim Form
• Life Cover (Death by sickness) Claim Form