oh I feel your pain. I've decided to do the same thing and contacted my super fund who referred me to their website, which redirected to their insurance provider. What I thought would be a simple request turned into something pretty full on. I don't know anybody who can fill out those health questionnaires without coming back positive on something. I currently have two units of cover for death and disability with my super fund (I can't remember how much this covered) and want to increase it. I also found that I'm currently paying for income protection when I'm on mat leave and not currently earning anything. Apparently, somebody from the insurance company is going to contact me for further information.
I'm not sure that the no medical check companies will solve your problem of the earlier condition because I imagine you will still be asked to disclose any existing/previous condition. Don't hold me to it because I've never spoken to them, but even if you aren't asked anything in the initial signing up phase check the fine print very, very carefully. The last thing you want is to think you've done everything you need to, only to end up with the insurer having a loop hole they can drive a truck through.
My DH and I both have life insurance as well as total and permanent disability insurance. He is the sole income earner at the moment and is self employed so he also has income protection insurance build in to his disability insurance. We have two different companies for our insurance, but they are independent of our super. We also have significantly more coverage than you are talking about and therefore a significantly bigger premium.
FWIW, I think insurance is an absolute must - both kinds. If God forbid someone ends up disabled or incredibly sick as opposed to (just) dead, we will need even more money to attend to that person's needs as well as provide money to live on. We have been looking at where we can cut costs lately, and insurance just isn't one of them.
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