You must notify us in writing as soon as reasonably practicable of any event entitling you to a benefit, including:
- death (by an authorised representative),
- diagnosis of a Terminal Illness or Total Permanent Disability (TPD), and
- diagnosis of an injury or illness likely to give rise to Total Disability.
On receipt of notification of a claim, you will be provided with claim forms. The claim forms must be fully completed by you (and your treating Doctor and Employer, if applicable) and returned to us as soon as possible. You may be requested to obtain other such information and documentation that the Insurer requires to consider and process the claim. A claim will not be processed until all the relevant documentation is received by the Insurer.
If the completed claim forms are provided more than one year after the event giving rise to the claim, and the delay results in the Insurer’s interests being prejudiced, the Insurer may not accept liability for the claim or, alternatively, may reduce the liability in respect of the claim to the extent of the prejudice the Insurer has suffered.
For more information on how to make a claim, please refer to our Insurance Guide.