Without Evidence of Insurability: The 2025 Guide for Australians

Securing insurance is a key component of a robust financial plan, but many Australians are unaware of the role ‘Without Evidence of Insurability’ (WOEI) plays in determining eligibility and premiums. As policies evolve in 2025, understanding this often-overlooked clause could help you gain vital cover—sometimes with fewer hurdles than you might expect.

What Is ‘Without Evidence of Insurability’?

‘Without Evidence of Insurability’ (WOEI) is a provision that allows individuals to obtain insurance cover—commonly life, TPD (Total and Permanent Disability), or income protection—without undergoing medical examinations or disclosing health details. This clause is most frequently found in group insurance arrangements, such as those provided through your employer or superannuation fund.

In practice, this means you can access cover up to a certain limit, regardless of your health status, occupation, or lifestyle choices. After that threshold, however, insurers may require full medical underwriting.

• Group Superannuation Policies: Many super funds offer default cover to new members without any health checks, provided you join within a specific window (often 60–120 days of eligibility).
• Corporate Insurance Schemes: Employees who join a company plan during a set period can secure cover up to a pre-set amount without submitting medical evidence.
• Annual Increases: Some group policies allow automatic increases in cover each year without new health checks, up to a cap.

Why Does WOEI Matter in 2025?

Recent regulatory changes and the ongoing cost-of-living pressures have made insurance access a hot topic in 2025. The Australian Prudential Regulation Authority (APRA) continues to push for sustainable pricing in group insurance, leading to tighter default cover limits and greater scrutiny of claims. For consumers, this means WOEI provisions are more important than ever for securing affordable, accessible cover—especially if you have pre-existing health conditions or work in a high-risk job.

For example, several major industry super funds have updated their default cover terms, reducing the ‘automatic acceptance limit’ (AAL)—the maximum sum insured without health checks. Where you could previously secure up to $750,000 in life cover without evidence, some funds have dropped this to $500,000 or less in 2025. However, if you act during the fund’s eligibility window, you can still lock in valuable cover without medical paperwork.

Real-world scenario: Sarah, 32, switches jobs and joins a new employer’s super fund in February 2025. Because she opts in within 90 days, she receives $300,000 in life and TPD cover without any medical questions. If she waited six months, she’d need to complete a health questionnaire, with the risk of exclusions or higher premiums if she disclosed her diabetes diagnosis.

Limits and Pitfalls: What to Watch For

While WOEI provisions offer a straightforward path to cover, there are crucial limitations and traps to be aware of:

• Capped Amounts: Insurers set a maximum sum (the AAL) that can be granted without evidence. Beyond this, you’ll need to provide medical details or undergo tests.
• Eligibility Windows: The offer is often time-limited—miss the window, and you may never be able to access WOEI again with that provider.
• Pre-existing Condition Clauses: Even with WOEI, some group policies apply restrictions or waiting periods for pre-existing conditions, particularly for income protection.
• Premium Increases: With the cost of claims rising, group premiums are climbing in 2025. Review your policy’s sustainability and consider the value of locked-in WOEI cover versus tailored retail options.

It’s also worth noting that if you transfer your super to another fund, your WOEI status doesn’t automatically carry over—you may need to requalify or go through underwriting.

How to Maximise Your WOEI Opportunity

If you’re starting a new job, joining a super fund, or reviewing your insurance in 2025, here’s how to take advantage of WOEI:

• Act Fast: Join within the specified window (often 60–120 days) to lock in default cover.
• Review AALs: Check your super fund or employer’s maximum WOEI limit and consider your insurance needs—if you need more cover, apply before any health changes.
• Compare Policy Terms: Not all group policies are equal—compare pre-existing condition rules, waiting periods, and ongoing premium rates.
• Consider Your Health Trajectory: If you’re healthy now but concerned about future medical issues, securing WOEI cover can be a smart move.

Conclusion: Secure Peace of Mind With Smart Insurance Moves

‘Without Evidence of Insurability’ clauses can be your gateway to essential protection, especially in a tightening insurance market. Don’t leave your eligibility to chance—understand your policy, act within the required timeframes, and lock in cover that could safeguard your financial future, no matter what life throws your way.