Superannuation and Personal

Super Plan.
Product Disclosure Statement issued on 1 July 2024

This Product Disclosure Statement is issued by Host-Plus Pty Limited ABN 79 008
634 704, AFSL No.244392, as trustee (‘Trustee’) for the Hostplus Superannuation
Fund (‘Hostplus’ or the ‘Fund’) ABN 68 657 495 890, MySuper No. 68657495890198.
 Contents 1. About Hostplus.
Hostplus is the industry superannuation fund for the hospitality,
tourism, recreation and sport industries – but generally, anyone
1. About Hostplus. can join. Founded in 1988, we offer low administration fees* and
2. How super works. we’re run to benefit our members – you.
3. Benefits of investing with Hostplus You can find important governance information about Hostplus at
Superannuation and Personal Super Plan. hostplus.com.au/about-us/company-overview including:
4. Risks of super.
· Trust Deed and governing rules
5. How we invest your money.
6. Fees and costs.
· Annual Report
7. How super is taxed. · Financial Services Guide
8. Insurance in your super. · Service providers
9. How to open an account. · Appointment of directors
· Board attendance
Here to help. · Our directors and executive team, and remuneration.

Call 1300 467 875, 8am – 8pm AEST/AEDT, Monday to Friday Hostplus offers a range of competitive investment options
Visit hostplus.com.au which include pre-mixed and sector specific options. Hostplus is
Online hostplus.com.au/contact also authorised to offer a MySuper product, which is our default
Mail Locked Bag 5046, Parramatta NSW 2124 Balanced investment option. You’ll find our MySuper Product
Dashboard at hostplus.com.au/dashboard.

About this Product Disclosure Statement (PDS) 2. How super works.

This PDS has been prepared and issued by the Trustee and summarises Superannuation (super) might seem complex but it’s basically
the key features of the product (including significant benefits and
money put aside for your retirement.
characteristics, fees and taxes) as well as key risks. Information
in this PDS may change from time to time. If the changes are not To start with, it’s made up of compulsory contributions from your
materially adverse, you will find the updates, along with this PDS, at employer called the Superannuation Guarantee (SG). Further,
hostplus.com.au/pds. You can also request a paper or electronic copy of the Federal Government provides certain tax savings for super.
updates without charge by calling us on 1300 467 875.
Contributions and investment earnings may be taxed at a lower
Insurance cover is provided to Hostplus members through group rate than the tax on your salary – and super is generally tax-free on
insurance policies the Trustee has taken out with MetLife Insurance
Limited ABN 75 004 274 882 AFSL 238096 (referred to as ‘the
withdrawal after you turn 60.
Insurer’ throughout this PDS). This PDS assumes you’re an Australian Under Choice of Fund legislation, most workers are eligible to
resident for income tax purposes. Any untaxed super benefits choose what fund their super contributions are paid into. Choosing the
transferred into Hostplus will attract the 15% contributions tax.
right fund now, can make a lifetime of difference later.
The information in this PDS is of a general nature only and does not
take into account your individual objectives, financial situation or Contributions.
needs. You should consider the appropriateness of the information
having regard to your personal circumstances and consider In addition to SG, other ways you can add to your super include:
consulting a qualified financial adviser before making an investment · Personal contributions from your after-tax salary
decision based on information contained in this PDS. The value
of your investments can go up or down and investment returns
(non-concessional contributions)
can be positive or negative. The Trustee does not guarantee the · Concessional contributions, including salary sacrifice or personal
performance of the Fund’s investment options. To the extent that contributions for which you have claimed a tax deduction
this PDS contains any information which is inconsistent with the · Government co-contributions, and/or the low income super tax
Hostplus Trust Deed or the group insurance policies the Trustee
offset (LISTO), if you are eligible
has taken out with the Insurer (together, ‘the Policies’), the Trust
Deed and the Policies will prevail. · Spouses can split their before-tax contributions with each other
While every care has been taken to ensure that the information in · One spouse can make contributions for the other spouse, and
this document is correct, Hostplus reserves the right to correct any if the receiving spouse is a low income earner the contributing
error or misprint in respect of the information shown. spouse could receive a tax offset
For a description of the target market, please read the Target · Downsizer contributions from the proceeds of selling your
Market Determination (TMD), available at hostplus.com.au/ddo. home subject to your age and other eligibility criteria.
Important information guides
You should read the Superannuation and Personal Super Plan
Limits on contributions.
Member Guide (Guide) together with this PDS. The Guide is There are various limits (or caps) that apply to contributions.
incorporated by reference into this PDS. This additional information Further information can be found in Section 7. How super is taxed.
is available at hostplus.com.au/pds and the symbol is used when
we refer to information in the Guide. Accessing your super.
Generally, you cannot withdraw your super until you meet a condition
of release. Please see the ATO website for more information ato.gov.
au/Individuals/Super/Withdrawing-and-using-your-super/


You should read the important information about
How super works before making a decision. Go to the Member
Guide at hostplus.com.au/pds. The material relating to How
super works may change between the time when you read
this Statement and the day when you acquire the product.

*Other fees and costs apply.

1184.9 ISS28 0724

 3

3. Benefits of investing with Hostplus 4. Risks of super.

Superannuation and Personal Super Plan. It’s important to know that all investments (including super) involve
Hostplus is run to benefit our members. some risk.

These are some of the benefits you may enjoy when you To offer members different levels of risk and potential return,
join Hostplus. Hostplus invests in a range of asset classes such as cash, fixed
interest, infrastructure, property and equity – which can be further
Hostplus members pay an administration defined as ‘defensive’ or ‘growth’. The mix of growth and defensive
fee of $1.50 per week1 plus 0.0165% of asset classes determines the likely net investment return and risk of
Low their account balance per year. $37.52 per a negative return for each investment option.
administration member is also deducted from the Fund’s For example, investment options with potentially the highest
fees Administration Reserve during the year and returns (such as equity), may also have the highest risk of loss over a
not directly from members’ balances. Other shorter period of time.
fees and costs apply.
When considering the risks to your investment in Hostplus,
Our Balanced investment option is ranked you should understand that:
Top performer number one versus peers over 10 and 20
over the long years. Source: SuperRatings Accumulation · The value of your investments can go up and down.
term Fund Crediting Rate Survey - SR50 Balanced · The returns you receive on your investments will vary – they can
(60 -76) Index, April 2024.* be positive or negative and previous returns are not indicative of
future returns.
Protecting your assets is an important part of
· Returns are not guaranteed and negative returns will result in a
Insurance to a smart financial plan. For your peace of mind,
reduction in your account balance.
protect you Hostplus offers several insurance options to
and your cover you for death and disability – as well as · The amount of your future superannuation savings, including
family income protection, protecting your income if contributions and investments, may not be enough to provide
you’re unable to work due to illness or injury. adequately for your retirement.
Other significant risks to your investment are the impact of inflation,
With your Member Online account you
can update your personal details, make an interest rates, exchange rates, liquidity, derivatives and market failure.
investment choice, apply to increase or There are also legal risks such as changes to superannuation law and
change your insurance cover, and review changes to insurance terms and conditions.
Online access
your account balance and contributions. The level of risk appropriate for you will depend on your age, how long
Visit hostplus.com.au/memberonline you are investing for, any other investments you may have, and how
or download the Hostplus App at comfortable you are receiving negative returns in some years.
hostplus.com.au/app/download.

Because everyone has different goals, we offer 

You should read the important information about the Risks
a wide range of investment options to suit of super before making a decision. Go to the Member Guide
A wide range
your investment timeframe, long-term goals, at hostplus.com.au/pds. The material relating to the Risks
of investment
and risk profile – from growth asset classes of super may change between the time when you read this
options
such as equity to defensive asset classes like Statement and the day when you acquire the product.
fixed interest and cash.

Financial planners who are employed by

Hostplus are here to help our members. 5. How we invest your money.
Talk to a
Our planners2 can help you make the most of Hostplus offers a wide range of investment options for you
financial
your opportunities. Talk to us on 1300 467 875 to choose from, each with a different level of risk and return
planner
or visit hostplus.com.au/financial-planning
If you don’t make an investment choice, your contributions will
to make an appointment.
be automatically invested in the Balanced investment option,
*Past performance is not a reliable indicator of future performance our default option, described on the next page. As the MySuper
and should never be the sole factor considered when selecting a authorised option, it suits people who plan to have their super
superannuation fund. invested for five years or longer.
1. The $1.50 weekly administration fee is a flat fee. It is not calculated
on a pro-rata basis. It begins accruing on the later of: (a) the first Hostplus may add new investment options, remove or change an
Friday following the date you join the Fund; and (b) the first Friday of option (for example, its strategic asset allocation or objectives). If any
the calendar month the first contribution is received. 2. Hostplus has of these changes are significant, we’ll write to you or update you via
engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL
hostplus.com.au.
232514 to facilitate the provision of personal financial advice to members
of Hostplus. Advice is provided by Hostplus financial planners who are If you are a Hostplus employee or Director, you must read the
Authorised Representatives of IFS. Fees may apply for personal financial information regarding the Investment Switch Restrictions in Section
advice; for further information about the cost of personal advice, you
can speak with your Hostplus financial planner or visit our website www. 5 of the Member Guide available at hostplus.com.au/pds.
hostplus.com.au. Information to help you decide whether you want to
use personal financial advice services being offered is set out in the
relevant IFS Financial Services Guide, a copy of which is available from  When making your investment choice you must consider the
your Hostplus financial planner. potential risk and return of an investment option and whether
it suits your risk profile and timeframe, ie. how much time you
have until your retirement.

You should read the important information about Benefits
of investing with Hostplus before making a decision. Go to
the Member Guide at hostplus.com.au/pds. The material
relating to Benefits of investing with Hostplus may change
between the time when you read this Statement and the day
when you acquire the product.
4

Choose from our wide range of investment options. Explanations of the bolded terms are in Section 5.20. Glossary in the Member
Guide at hostplus.com.au/pds *Please note: the Balanced option’s return
Pre-mixed options is linked to our pension product’s CPIplus option. If CPIplus falls short of a
predetermined return, the Balanced option funds the shortfall meaning returns
Pre-mixed investment options offer asset classes mixed to for the Balanced option may be decreased. If CPIplus exceeds a predetermined
provide access to different investment styles across various risk/ return, the excess amounts are transferred to the Balanced option. Please
refer to section 5 of the Member Guide “How we invest your money” available
return profiles: at hostplus.com.au/pds **The level of investment risk is based on an industry-
· High Growth wide Standard Risk Measure. It shows the number of expected negative annual
returns over a 20-year period. #The Minimum Suggested Time Frame is based
· Shares Plus on the risk and return profile of this option. The timeframe considers volatility
· Balanced and the likelihood of negative annual returns in any one year.
· Conservative Balanced Balanced option asset allocation.
· Capital Stable
· Defensive ASSET CLASS RANGE % TARGET
· Indexed High Growth
· Indexed Balanced Australian shares 10–40% 21%

Listed equities
· Indexed Defensive
· Socially Responsible Investment (SRI) – High Growth International shares
· Socially Responsible Investment (SRI) – Balanced 10–40% 22%
– Developed markets
· Socially Responsible Investment (SRI) – Defensive
· Hostplus Life International shares
0–15% 7%
– Emerging markets
Single sector investment options
Property 0–30% 10%
Investment in a specific asset class only:

Unlisted assets
· Australian Shares Infrastructure 0–30% 11%
· Australian Shares – Indexed
· International Shares Private equity 0–25% 10%
· International Shares – Indexed
· International Shares (Hedged) – Indexed Credit 0–20% 7%
· International Shares – Emerging Markets
· Diversified Fixed Interest Alternatives 0–20% 4%
· Diversified Fixed Interest – Indexed
· Cash Diversified 
0–20% 4%
and cash
Bonds

fixed interest
Choiceplus investment option
Direct investment in shares in the S&P/ASX 300 index, selected Cash 0–15% 4%
Exchange Traded Funds (ETFs), Listed Investment Companies
(LICs) and term deposits via the online Choiceplus investment 
You should read the important information about How we invest
platform at hostplus.com.au/choiceplus your money before making a decision. Go to the Member Guide
You can easily change your investment choice at no cost. And you at hostplus.com.au/pds. The material relating to How we invest
can combine any number of our investment options provided you your money may change between the time when you read this
have a minimum of 1% of your super invested in any selected option. Statement and the day when you acquire the product.
Please note however, that there are different investment limits
within the Choiceplus investment option. Visit hostplus.com.au/ 6. Fees and costs.
choiceplus to find out more.
Balanced (MySuper)*  Consumer advisory warning:
Summary The Balanced investment option is focused on DID YOU KNOW?
delivering the best net return from investing in  Small differences in both investment performance and
a portfolio that has a bias to growth assets and fees and costs can have a substantial impact on your
has high diversification. long-term returns.
Who is this With a bias to growth assets, this Core pre-mixed For example, total annual fees and costs of 2% of your
investment investment option is designed for members with a account balance rather than 1% could reduce your final
suitable for? medium to long-term investment time frame, who return by up to 20% over a 30-year period (for example,
are seeking strong long-term returns and have a reduce it from $100,000 to $80,000).
medium to high tolerance of negative returns. This You should consider whether features such as superior
option is also designed for members who do not investment performance or the provision of better
wish to make an investment choice. member services justify higher fees and costs.
Investment CPI plus 3.0% per annum on average over 10 years. You or your employer, as applicable, may be able to negotiate
objective CPI plus 4.0% per annum on average over 20 years. to pay lower fees. Ask the fund or your financial adviser.

Level of
Medium to High. (Negative returns expected in TO FIND OUT MORE:

investment
between 3 to less than 4 out of every 20 years) If you would like to find out more, or see the impact of the fees
risk**
Minimum based on your own circumstances, the Australian Securities
suggested and Investments Commission (ASIC) Moneysmart website
5 years + (www.moneysmart.gov.au) has a superannuation calculator
time frame#
to help you check out different fee options.
Growth/
defensive 76% growth / 24% defensive Please note: This Consumer Advisory Warning is prescribed by law.
allocation However, the statement concerning the possibility of negotiating fees is
not applicable to Hostplus. Hostplus may change fees and costs at any
time and without your consent. You will receive at least 30 days’ notice
before any increase to fees that are deducted from your account.
 5

Fees and costs.

This section provides summary information about the main fees and costs for the Hostplus Balanced investment option. The information
in the fees and costs summary can be used to compare costs between different superannuation products. Fees and costs can be paid
directly from a member’s account or deducted from investment returns.
Other fees may apply. You should read all information about fees and costs because it is important to understand their impact on your
investment. This information, including definitions for each fee type, is set out in the Hostplus Superannuation and Personal Super Plan
Member Guide available at hostplus.com.au/pds.
Fees and costs summary.
Hostplus Superannuation and Personal Super Plan
Type of fee or cost Amount How and when paid
Ongoing annual fees and costs1
$78 p.a. ($1.50 per week) Deducted monthly from your account on the last Friday of each
month, based on the number of Fridays in the month.3
plus $37.52 p.a. Deducted from the Fund’s Administration Reserve throughout
Administration the year (and not directly from your account).
fees and costs2 plus trustee fee4 of 0.0165% p.a. Non Choiceplus investments: deducted daily and paid to the
of your account balance. Trustee monthly from gross investment earnings before net
investment returns are applied to your account.
Choiceplus investments:5 calculated daily and deducted
monthly from your Choiceplus cash account.
0.94% for the Balanced option and varies between Deducted daily from gross investment earnings before net
0.02% and 0.83% for other investment option(s).7 investment returns are applied to your account.
Investment fees Included in the investment fees and costs of your chosen
This includes the 0.0155% trustee fee on your
and costs6 account balance invested in non Choiceplus investment option(s) (other than Choiceplus) deducted daily and
investments. paid to the Trustee monthly from the option’s gross investment
earnings before net investment returns are applied to your account.
0.06% for the Balanced option and varies between Deducted from gross investment earnings as and when incurred
Transaction costs 0.00% and 0.13% for other investment option(s).7 before net investment returns are applied to your account.
Member activity related fees and costs
Buy–sell spread Nil Not applicable
Switching fee Nil Not applicable
Other fees See 'Additional explanation of fees and costs’ in the Member Guide for a description of other fees and costs; such as
and costs activity fees, advice fees for personal advice, insurance fees and Choiceplus investment option fees.
1. If your account balance for a product offered by the superannuation entity is less than $6,000 at the end of the entity’s income year, certain fees and costs charged to you in relation
to administration and investment are capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded. 2. Administration fees and costs (with the
exception of the deduction from the Fund’s Administration Reserve) are proportionally deducted from your chosen investment option/s. 3. The $1.50 weekly administration fee is a
flat fee. It is not calculated on a pro-rata basis. It begins accruing on the later of: (a) the first Friday following the date you join the Fund; and (b) the first Friday of the calendar month
the first contribution is received. 4. A trustee fee is comprised of an administration and investment component, at the respective rates as listed. For further information about the
trustee fee go to section 6 of the Member Guide at hostplus.com.au/pds 5. Additional fees and costs apply for your investments in Choiceplus. Go to section 6 of the Member
Guide at hostplus.com.au/pds 6. Investment fees and costs includes an amount up to 0.33% for performance fees. The calculation basis for this amount is set out under “Additional
explanation of fees and costs” in the Member Guide at hostplus.com.au/pds. 7. These fees and costs (other than the trustee fee) are based on actual figures and estimates from the
previous financial year, except in the case of performance fees which are generally averaged over 5 financial years. The fees and costs payable in respect of each future year may be
higher or lower. Where estimates were used, they have been informed by management, historical and industry experience, as well as information from third party service providers.

Example of annual fees and costs for a superannuation product.

This table gives an example of how the ongoing annual fees and costs for the Hostplus Balanced investment option for this
superannuation product can affect your superannuation investment over a 1-year period. You should use this table to compare
this superannuation product with other superannuation products.
Example - Hostplus Balanced option Balance of $50,000
$78 p.a. (deducted from your Hostplus
For every $50,000 you have in the superannuation product, you
Administration fees account) plus $37.52 p.a. (deducted from the
will be charged or have deducted from your investment $8.25 in
and costs Fund’s Administration Reserve) plus trustee
administration fees and costs, plus $115.52 regardless of your balance
fee of 0.0165% pa of your account balance.
PLUS Investment And, you will be charged or have deducted from your investment
0.94%
fees and costs $470 in investment fees and costs
PLUS And, you will be charged or have deducted from your investment
0.06%
Transaction costs $30 in transaction costs
If your balance was $50,000, at the beginning of the year, then for
EQUALS Cost
that year you will be charged fees and costs of $623.77 for the
of product
superannuation product.
Note: Additional fees may apply. The administration fee of $1.50 per week is deducted from your account monthly, on the last Friday of the month. The
amount charged per annum depends on the number of Fridays in a year.

 Additional fees may be paid to a financial advisor if a financial advisor is consulted. Refer to the Statement of Advice in which details
of the fees are set out.
You can use the Superannuation calculator at moneysmart.gov.au to calculate the effect of fees and costs on account balances.


You should read the important information about Fees and costs before making a decision.
Go to the Member Guide at hostplus.com.au/pds. The material relating to our Fees and costs may change between the time when you read
this Statement and the day when you acquire the product.
6

7. How super is taxed.


You should read the important information about How super
There are various tax levels that apply at different times on is taxed before making a decision.Go to the Member Guide
payments into your account (contributions), investment earnings at hostplus.com.au/pds. The material relating to How super
and on the withdrawal of super benefits. Tax is deducted from is taxed may change between the time when you read this
your super account and paid to the ATO. Statement and the day when you acquire the product.
There are limits on how much you can contribute to super.
Type of contribution and limits. 8. Insurance in your super.
Concessional contributions (before-tax), such as employer Right now, your most valuable assets are your health, family and your
and salary sacrifice contributions: 15% on amounts up to income-earning potential. Protecting them against the unexpected
$30,000 a year cap. Amounts over the cap will be taxed at your should be an important part of your strategy. That’s why at Hostplus
marginal tax rate.1 If your total super balance is less than $500,000 we offer eligible members automatic insurance with an option to
at the end of the previous financial year, you can carry forward tailor their cover.
unused concessional amounts for up to 5 years. If your total
Premiums are deducted from your super account and insurance
adjusted income (including your concessional contributions) is over
cover continues as long as there are sufficient funds to pay the
$250,000, you will pay an additional tax of 15% (ie. 30% tax) on
premiums and eligibility is still met.
taxable contributions exceeding the $250,000 threshold.
Hostplus insurance cover is provided by MetLife Insurance Limited
Non-concessional contributions (after-tax), such as personal
(MetLife) ABN 75 004 274 882, AFSL 238096.
and spouse contributions:
0% on amounts up to $120,000. Amounts over $120,000 will be
subject to tax at the top marginal rate.1 If under age 75 you may  The information in this section is a brief summary only.
bring forward your non-concessional contribution of up to three Full information about eligibility, the cancellation of insurance
times the yearly non-concessional contributions cap in a single year cover, any conditions or exclusions in relation to insurance cover
depending on your total super balance. Your total superannuation and information about the level, type, actual cost (or ranges
balance is the total value of your accumulation and retirement of costs) of optional insurance cover or any other matter in
phase interests (including rollover amounts not yet included in relation to insurance cover is provided at hostplus.com.au/pds.
those interests) across all of your superannuation accounts. That information should be read before deciding whether the
1. The 2% Medicare levy is also payable. insurance is appropriate.

Automatic (Default) Death and Total & Permanent

 If you exceed the concessional or non-concessional
contributions cap, you will pay additional tax to the ATO. Disability (TPD) insurance.
Generally, if you’ve joined through your participating employer (Industry
Members) or joined directly by completing an application (Personal
Tax on withdrawals 1 July 2024 to 30 June 2025 Super Plan Member) you receive automatic, unitised Death and TPD
Component Tax insurance cover at the standard occupation classification.

Tax-free No tax payable. Cover commencement.

Taxable – taxed Below age 60, taxed at 20%. Your automatic insurance will commence when you first meet the
element1 Above age 60, tax-free. following criteria, provided you are eligible and your account is not inactive*:
1. Plus Medicare Levy. · You are aged at least 25 years; and
· Your account in Hostplus first has a balance of at least $6,000.
Tax deductions. Your automatic insurance will cease if your account later becomes
If you’re eligible, you may be able to claim your personal inactive* unless you elect for it to continue.
contributions during the year as a tax deduction. This will turn the
Prior to meeting the above criteria, you can also opt-in to have
nominated after-tax contributions into before-tax contributions,
automatic insurance cover, subject to terms, conditions and eligibility
which may be useful to self-employed people or employees whose
requirements. If you opt-in, your automatic insurance will commence
employer doesn’t allow salary sacrifice.
from the date we receive your opt-in request or the date you become
Tax on investment earnings. an eligible person, whichever is later.
Investment earnings are taxed at up to 15%. This tax is deducted Please note, if you opt-in prior to us receiving a contribution into your
from the earnings that apply to your super, before the earnings are account, your cover will not commence until the first contribution is
added to your account. received and you become a Hostplus member (provided you meet all
other eligibility requirements).
Tax File Numbers (TFNs).
For full details of the terms, conditions and eligibility requirements for
cover, refer to Section 8 of the Hostplus Superannuation and Personal
 It is in your interest to supply your TFN when you join. Generally, Super Plan Member Guide available at hostplus.com.au/pds.
higher tax is payable on your contributions and withdrawals if
you don’t supply your TFN – and Hostplus will not be able to *A member’s account is considered inactive (for the purposes of insurance)
accept your personal contributions. You will also be ineligible for if we have not received a contribution or rollover into that account for a
the Government co-contribution incentive. continuous period of 16 months and you have not made a written request
or positive election to always maintain all your cover even where your
account becomes inactive.
 7

Death and TPD insurance: Unitised cover table. There are costs associated with insurance. The unit cost per week is
shown in the table below.
The table below shows the automatic number of units, level of
cover per unit and amount of automatic cover you will receive
at each age next birthday. Unit cost per week (based on your occupational rating)
Standard Management/ Professional
Age Value per Automatic Automatic cover Clerical
next unit of units for for new insured (White collar)
birthday Automatic new insured members
Death $0.26 $0.18 $0.13
Death or members
TPD Cover TPD $0.37 $0.25 $0.17
Death TPD Death TPD
Death & TPD $0.63 $0.43 $0.30
12 to 16* $28,273 1 0 $28,273 $0
17 to 19* $28,273 1 2 $28,273 $56,546
Restrictions and exclusions that may apply to your
20 to 25* $28,273 2 4 $56,546 $113,092 automatic insurance cover.
26 to 30 $28,273 4 6 $113,092 $169,638 If you are an Industry Member or Personal Super Plan Member
and you do not meet the requirements for Full Cover (eg. you are
31 to 35 $28,273 5 6 $141,365 $169,638 not Actively Employed), your automatic insurance cover may be
36 $28,273 6 6 $169,638 $169,638 Restricted Cover which will not cover Pre-existing Conditions for 24
consecutive months. A Pre-existing Condition is an illness, injury,
37 to 38 $28,645 6 5 $171,870 $143,225 condition or related symptom that you were aware of, or should have
39 $28,831 $172,986 $144,155 been aware of, within the 2 years prior to your cover commencing.
Your Restricted Cover will be replaced with Full Cover after
40 $29,017 $174,102 $145,085 24 months provided you are Actively Employed for the last
41 $26,962 5 5 $134,810 $134,810 30 consecutive days of the 24 month period. If you are not Actively
Employed for the entire 30 day period, Restricted Cover will continue
42 $24,229 $121,145 $121,145 until you have been Actively Employed for 30 consecutive days.
43 $21,238 $106,190 $106,190 For full terms and conditions, including when cover may be restricted
cover, please refer to Section 8 of the Hostplus Superannuation and
44 $18,734 $93,670 $93,670
Personal Super Plan Member Guide available at hostplus.com.au/pds.
45 $15,563 6 6 $93,378 $93,378 Also if you are a Personal Super Plan member, please check that your
46 $13,681 $82,086 $82,086 occupation is not excluded from automatic insurance cover by the
insurer by reading the important information about your insurance to
47 $11,831 $70,986 $70,986 Section 8 of the Hostplus Superannuation and Personal Super Plan
48 $10,097 7 7 $70,679 $70,679 Member Guide available at hostplus.com.au/pds.

49 $8,981 $62,867 $62,867 Automatic Income Protection Cover.

If you are joining Hostplus through an employer who was previously
50 $7,219 8 8 $57,752 $57,752
a default employer of Club Super, you may automatically receive
51 $6,364 $50,912 $50,912 Income Protection insurance cover (SalarySafe) subject to the cover
commencement rules above.
52 $5,874 $46,992 $46,992
SalarySafe pays a benefit of up to 90% of your average weekly
53 $5,385 $43,080 $43,080 income, for the first 26 weeks of your claim (tapering applies
54 $4,406 $35,248 $35,248 thereafter), if you can’t work in your usual occupation due to
sickness or injury. An 11.5% SG contribution, based on the value of
55 $3,916 10 10 $39,160 $39,160 your benefit, is paid into Hostplus on your behalf. This cover is not
56 $3,487 $34,870 $34,870 subject to underwriting.
The cost of this cover is based on the value of your employer SG
57 $2,989 $29,890 $29,890
contribution, multiplied by 6.52%.
58 $2,491 $24,910 $24,910 SalarySafe benefits are payable for a maximum period of two years
59 $2,242 $22,420 $22,420 with a default 28 day waiting period.
To determine if you are eligible for automatic Income Protection
60 $1,993 $19,930 $19,930
cover, either ask your employer or contact us on 1300 467 875.
61 $1,774 8 8 $14,192 $14,192
Once Hostplus obtains your details from your employer, you will
62 $1,673 $13,384 $13,384 receive confirmation of your insurance arrangements, including any
automatic Income Protection cover.
63 $1,521 $12,168 $12,168
Hostplus also offers eligible members:
64 $1,419 $11,352 $11,352
· Terminal illness benefits as part of your death benefits.
65 to 70 $1,267 $10,136 $10,136
· Specific life events cover where changes in your life let you boost
*For ages next birthday 12 to 25 you will need to opt-in to automatic your cover.
insurance via Member Online at hostplus.com.au · The option of transferring your insurance from another super
fund or retail insurance policy.
· The ability to apply for the waiver of premiums for up to
12 months while taking employer-approved parental leave
so long as you are not self-employed.
8

Additional cover. Cooling-off period.

Members can also apply for the following cover changes online via A 14-day cooling-off period applies for Personal Super Plan applicants.
Member Online at hostplus.com.au Full details of the cooling-off period are available at hostplus.com.au/pds
· for additional units of Death and TPD cover,
· to replace your unitised Death and TPD cover with fixed cover, 
You should read the important information about How to open
where benefits remain fixed but premiums alter depending on an account before making a decision. Go to the Member Guide
your age, and
at hostplus.com.au/pds. The material relating to opening an
· for non-automatic Income Protection cover (also known as Salary account may change between the time when you read this
Continuance cover) in case you can’t work due to injury or illness.
Statement and the day when you acquire the product.
If you are aged under 70 you can increase your automatic cover
(Death and TPD cover) and if you are aged under 65 you can apply
for non-automatic Income Protection cover by answering some Other information.
simple eligibility questions, when you opt-in to automatic cover via
Member Online at hostplus.com.au. To take up the special offer, Super search consent.
you must apply within 60 days after the date the Hostplus Welcome If you’ve had more than one job, you may have more than one super
Letter is issued to you when you first join Hostplus. account and you could be paying fees on every one of them. Hostplus
Cancelling/changing/reducing cover. can help you find your other super accounts at no cost. By giving us
permission to search for your other super using your TFN, we can
Members can cancel, change or reduce their insurance cover help you track down and (if you choose), combine your super for you.
at any time online at hostplus.com.au/insurance or by contacting
us. Please note, if you cancel your cover you will not be eligible for You can provide consent at hostplus.com.au/memberonline.
automatic cover in the future. If we find other super accounts in your name, we’ll contact you to
ask if you want to join your accounts together in Hostplus. You can
search anytime for additional super accounts using your Member

Unless you cancel your automatic insurance, the premiums Online account.
will continue to be deducted from your Hostplus account, as
long as there are sufficient funds to pay the premiums and Enquiries and complaints.
eligibility is still met. If, for whatever reason, more than one If you have an enquiry or complaint, just call 1300 467 875.
account is opened for you at Hostplus, you are only eligible for We’ll do everything in our power to attend to your matter promptly and
one insurance benefit and duplicate insurance premiums will courteously. If you are not happy with the way our matter is handled,
be refunded. we want to know. Please write to us at:
Hostplus
 ou should read the important information about
Y Resolutions Officer
Insurance in your super before making a decision. Locked bag 5046
Go to the Member Guide at hostplus.com.au/pds. Parramatta, NSW 2124.
The material relating to our insurance may change or email to [email protected]
between the time when you read this Statement and
the day when you acquire the product. The Trustee will acknowledge complaints within 24 hours (or
1 business day) of receiving it, or as soon as practicable and a
resolution will be provided to complainants within 45 days for
superannuation matters and 90 days for complaints relating to the
9. How to open an account. distribution of a superannuation death benefit, or reasons will be
Generally anyone can join Hostplus, as long as you are an provided for the delay of a resolution for either type of complaint
Australian resident for tax purposes or are employed by an eligible within each respective timeframe.
Australian employer. Applications made from persons outside If you are not satisfied with either the way Hostplus handles
Australia who are not employed by an eligible Australian employer your complaint or its resolution, you may contact the Australian
will not be accepted. Financial Complaints Authority (AFCA). AFCA provides free,
Hostplus Industry members. fair and independent financial services complaint resolution to
Hostplus members and their beneficiaries. Although you are able
You can become a Hostplus member if: to refer the matter to AFCA at any time, they will not usually deal
· Hostplus is the chosen super fund of your employer and they with your complaint until it has been through Hostplus’ complaints
have become a participating employer. Your participating handling process.
employer can register you for Hostplus and commence making You can contact AFCA on 1800 931 678, through their website www.
superannuation payments for you. Your are not required to afca.org.au, in writing via email [email protected] or post: Australian
complete any membership forms to join. Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.
· you have requested that your employer become a
participating employer. Your Privacy
· you have requested that your employer makes a contribution Your privacy is important to us. You can learn more about
on your behalf and your employer is not a participating employer. what personal information we request, why and how we collect your
· Hostplus is the nominated super fund in your employment personal information, and who we may share it with in
agreement or award. our Privacy Policy at hostplus.com.au/privacy.

Hostplus Personal Super Plan members.

You can become a Hostplus Personal Super Plan member if:
· You’re eligible for Super Choice
· You’re self-employed
1184.9 ISS28 0724

· You’re not in paid employment

You can join the Hostplus Personal Super Plan online at
hostplus.com.au or by completing and returning the Personal
Super Plan membership form which can be obtained by calling
1300 467 875.