Frequently asked questions
Can I claim on two different policies?
If you have multiple Total and Permanent Disablement (TPD) or Terminal Illness (TI) policies, you can claim these at the same time. However, you can’t claim Income Protection (IP) benefits on two insurance policies at the same time.
What documentation will I need to provide?
When you make a claim, we’ll let you know what documentation and information you need to provide.
- For TPD and IP claims, we may need your employment and salary history, medical treatment, reports from treating doctors, prognosis and medications. If your injury or illness is work related, we also need Worker’s Compensation details.
- For TI claims, we may need your medical treatment, reports from treating doctors, prognosis and medications.
- For death claims, we may ask for a copy of the death certificate and details of possible dependants or beneficiaries.
When will I find out about the outcome of my claim?
Once our insurer has all the requested information, they’ll review your claim and make a decision. The time it takes can vary depending on the nature of your claim and individual circumstances. If the insurer requires more information or if you haven’t submitted all the documentation or forms they’ve asked for, it may take longer for them to approve or reject your claim.
What if my claim is not approved?
Once a decision has been reached, you’ll be contacted with the outcome. If you’re not happy with the outcome of your claim, we’ll explain what other steps you can take.