Occupation ratings

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Occupation ratings are used to work out the cost of your cover. This reflects the different level of risk for different types of work.

You should check your occupation rating to make sure you’re not paying more than you need for your insurance.

Which cover do I have?

Depending on your circumstance, you may be eligible for insurance under different policies.

You can choose to apply, change or cancel your level of cover to meet your needs.

Tasplan Protect 2 offers different default levels of cover than Tasplan Protect 1, so it’s important you know which policy you’re covered under.

Tasplan Protect 1 occupation ratings

The type of work you do will determine your occupation rating. Generally, the riskier your job, the more you pay for cover. There are three occupation ratings which reflect the different levels of risk associated with different jobs. You’ll need to apply to have your occupation rating assessed.

White collar Professional General 

Your duties are limited to professional, managerial, administrative, clerical, secretarial or similar ‘white collar’ tasks which don't involve manual work.

You must undertake these entirely within an office environment (travelling from one workplace to another is okay).

You:
  • are a white collar member
  • earn over $80,000 a year from your profession
  • have a tertiary qualification, are a member of a professional institute or registered by a government body, or are employed in a senior managerial role.

You’re not classified as a white collar or professional member.

You’ll automatically be allocated ‘general’ when your cover starts.

Tasplan Protect 2 occupation ratings

The type of work you do will determine your occupation rating. Generally, the riskier your job, the more you pay for cover. There are three occupation ratings – which reflect the different levels of risk associated with different jobs. You’ll need to apply to have your occupation rating assessed.

Standard risk Medium risk Low risk
You’ll automatically be allocated to the Standard risk category when your cover starts. You can apply for medium risk rating if your duties are limited to managerial, administrative, clerical, secretarial or similar 'white collar' nature tasks which don't involve manual work or teaching and are undertaken entirely within an office environment (travelling from one workplace to another is okay). You’re:
  • a medium risk member
  • earn over $100,000 a year from your profession
  • have a tertiary qualification, are a member of a professional institute or registered by a government body, or are employed in a management role.