Claims process

The requirements for a claim for death benefits will vary, depending on the individual circumstances of the claim. (All copies of information must be certified genuine or be original documents.)

The minimum requirements are:

• Death Certificate (or Record of Death in Tasmania)
• Proof of Life Insured’s age (copy of Birth Certificate)
• The original Policy Document or an Application for lost Policy Document (This is a requirement of the Insurance Contracts Act)
• The completed Claim Form
• A signed Medicare / PBS request form

In some instances we will ask for a copy of the Will, Probate or Letters of Administration. This is so we can ensure that any funds are paid to the correct beneficiary and within the law. We may also require further medical or other evidence, such as reports from the deceased’s doctors, a report from the coroner, or a Medicare History report, before making a final assessment of the claim.

We will pay for any medical evidence we request beyond the costs involved in providing the certification of death.

The requirements for Terminal Illness claims will vary, depending on the individual circumstances of the claim.

The minimum requirements will be

• Terminal Illness Claim Form, which incorporates a Doctor’s Medical Certification.
• A Power of Attorney if the Life Insured is unable to complete the claim forms on his/her own behalf. The client’s treating doctor should complete the Medical Certification. Only registered medical
• practitioners, not allied health workers, may complete the certification.
• Proof of the Life Insured’s age (Birth Certificate)
• The Original Policy Document or an Application for lost Policy Document (this is a requirement of the Insurance Contracts Act).

We may also ask for further information, such as authority to access medical or other records relevant to the claim and/or medical history at the time of applying for insurance. For example, to help us assess the claim we may need:

• Additional information from the treating doctor(s)
• A Medicare History Report
• The claimant’s condition to be reviewed by an independent medical practitioner.

We will pay for any medical evidence we request beyond the initial claim form .

The claimant will be required to complete the Permanently Unable to Work Claims form. The claim form will include medical authorities, a Freedom of Information Authority and a Health Insurance Commission Authority (for a Medicare History Report). All parts of the form must be completed to the best of his/her ability.

• Copy of the Power of Attorney if the claimant is unable to complete the forms on his/her behalf.
• Proof of the Life Insured’s age (Birth Certificate)
• The original Policy Document or a Lost Policy Document Application (this is a requirement of the Insurance Contracts Act).

To help us assess the claim, we will require further evidence from the treating doctor(s) and other specialists (for example, physiotherapists). We may require that independent medical practitioners or other relevant specialists – for example an occupational therapist - assess the claimant.

We will pay for any medical evidence we request beyond the initial claim forms .

The requirements for Critical Illness claims will vary, depending on the individual circumstances of the claim and which condition has been suffered.

The minimum requirements will be

• Critical Illness Claim Form, which incorporates a Specialist’s Medical Report
• Proof of the Life Insured’s age (Birth Certificate)
• The Original Policy Document or an Application for lost Policy Document (this is a requirement of the Insurance Contracts Act).

We may also ask for further information, such as authority to access medical or other records relevant to the claim and/or medical history at the time of applying for insurance. For example, to help us assess the claim we may need:

• Additional information from the treating doctor(s)
• A Medicare History Report
• The claimant’s condition to be reviewed by an independent medical practitioner.

We will pay for any medical evidence we request beyond the initial claims forms.