Steve Burke, executive manager, administration and compliance at HESTA, said the interactive questioning allows the member to find out “on the spot” whether they can get cover.

“It gives people certainty about what their cover is; they don’t have to apply for $100,000 cover and not know whether or not they’ve actually got that in place,” he said.

“There may, depending on how they answer [the reflexive questions] be a need for them to have specific questions or for it to be manually considered, and those would go to ING’s underwriters, but it’s still a much faster process because the underwriter is presented with everything the next morning rather than a week or so down the track.”