What happens at claim time?
Claims Process
• As soon as you think you may need to make a claim, contact your insurance adviser to let them know what the situation is.
For medical insurance this may be before you have a procedure. For other claims such as income protection it is important that you get in touch as soon as possible – don’t wait for your wait period to come up.
• If you are unsure, your adviser can advise you on whether your circumstances will warrant a claim application.
• The necessary claim paperwork will be sent to you to complete. Your advisor can help you with this process.
• The insurer will assess your claim and may request additional information directly from yourself, or directly from your Doctor and /or specialist.
• Once your claim has been assessed your insurer and the admin team will be in touch with an update.
• With medical insurance, the insurer can either refund your expenses less your excess or the insurer may pay the medical providers direct, whichever is convenient for you.
• With other lump sum, mortgage or income protection claims the insurer will advise when payments will be made.
At all times your advisor is there to help and answer any queries you may have.
