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Making a claim can be a time of great stress, so it is important that all cases are handled sensitively and as quickly as possible. At Allianz, we believe we have a duty to all our customers to consider each claim fairly and professionally, with empathy and in a timely manner.
It is our business to pay genuine claims that are covered by the policy. Each claim will be assessed fairly, based on medical and other relevant evidence, using consistent guidelines and procedures in line with the policy terms and conditions.
Claims that meet the policy terms and conditions will be paid promptly when all reasonably necessary information has been received and assessed.
If you claim for a benefit under combined cover for either Critical Illness cover or Permanently Unable to Work cover and the claim is accepted, this will reduce the cover amount of any remaining benefits you have under the policy by that payment amount. In certain circumstances this may mean the end of a cover or the Life Insured’s policy. Additionally for eligible claims, Life cover Buy Back feature allows you to reinstate the Life Cover Amount that was reduced 12 months after full payment of a Critical Illness or Permanently Unable to Work claim. We will advise you of your eligibility for Life cover Buy Back after your claim has been assessed. If we make a full Life cover payment in the event of death or Terminal Illness, then that Life Insured’s policy will cease. Please refer to the ‘Taking a combination of cover’ and ‘Life cover Buy Back’ sections in the Product Disclosure Statement for further details.1, 11