Important information about CreditCard Plus claims

This page highlights some of the important questions we'll ask you if you want to make a CreditCard Plus unemployment, disablement, death or terminal illness claim.

There are a couple of things you should know:

• Each claim is considered against your policy’s terms and conditions
• Waiting periods apply for some benefits. You can read the PDS for full details about these as well as benefits, terms, conditions and exclusions

If you're unsure, our claims team is available on 13 3982 between 8am and 5pm, Monday - Friday, Sydney time.

Here are some of the questions we'll ask if you want to make an unemployment claim. If you answer "yes" to all of these questions then you may be eligible.

• Did you lose your job involuntarily?
• Were you working an average of at least 15 hours per week?
• Were you unemployed for more than 14 consecutive days?
• Are you actively looking for a job in Australia?
• Did you have your policy for more than 60 days before finding out that you were going to become unemployed?

You can find out more about our definition of "unemployed", waiting periods and exclusions in the PDS.

Here are some of the questions we'll ask if you want to make a temporary disablement claim. If you answer "yes" to all of these questions then you may be eligible.

• Are you suffering from an injury or illness that has left you unable to work?
• For disability caused by illness, did you have your policy for more than 28 days before being diagnosed? There is no qualifying period for temporary disability caused by injury/accident.
• Do you have an occupation from which you receive an income, and were you unable to work for more than 14 days?
• Were you free of apparent symptoms or the need for treatment in the year before opening your policy?

You can find out more about our definition of "disabled", waiting periods and exclusions in the PDS.

Here are some of the questions we'll ask if you want to make a permanent disablement claim. If you answer "yes" to all of these questions then you may be eligible.

• Do you have an occupation from which you receive an income, and are you suffering from an injury or illness that has left you unable to work for more than six months?
• For disability caused by illness, did you have your policy for more than 28 days before being diagnosed? There is no qualifying period for temporary disability caused by injury/accident.
• Were you free of apparent symptoms or the need for treatment in the year before opening your policy?
• Are you unlikely to ever return to work?

You can find out more about our definition of “permanent disablement”, waiting periods and exclusions in the PDS.

Here are some of the questions we’ll ask if you want to make a terminal illness or death claim. If you answer "yes" to all of these questions then you may be eligible.

• Has the policyholder passed away or been diagnosed with less than 12 months to live?
• Did the death or diagnosis occur after the policy started?
• For death, was the policyholder free of apparent symptoms or the need for treatment in the six months prior to their policy?
• For terminal illness, was the policyholder free of apparent symptoms or the need for treatment in the year before opening their policy?

You can find out more about our definition of "terminal illness", waiting periods and exclusions in the PDS.