How to claim

It’s important that you or your representative call us on 13 3982 as soon as possible after the claim event occurs. If you’re overseas, you may need to return to Australia at your own expense for the claim assessment. When you return, you’ll need to be under the immediate care of a doctor. If you’re in Australia, you’ll receive some claims forms, which you need to return along with any supporting evidence and information.

Medical evidence

You’ll need to provide all the necessary medical evidence and you might also need to undergo some additional medical examinations or tests as part of the claim assessment.

In some cases, access to your medical records and test results may be needed to independently check the existence and extent of an illness, injury or other event.

Independent medical assessments

You might also need to take part in a medical examination with a specially nominated doctor.

Your privacy is important. Read the Simple Life Product Disclosure Statement (PDS) to better understand why this information is collected and how it’s used.

Processing your claim

When all of your information and documents have been received and reviewed, your claim will be processed as soon as possible.

 

Am I eligible to make a claim?

Benefit
Potential Benefit
Eligibility Criteria
Exclusions
Terminal Illness
The Life Cover amount stated on your policy schedule.
You meet the Terminal Illness definition, which means an illness or injury which, in the opinion of a medical practitioner, will lead to death within 24 months.
We don’t pay a Life Cover benefit if your terminal illness arises directly or indirectly from any of the following:
  • A pre-existing condition
  • Participation in an illegal activity
  • Working in hazardous conditions
Death
The Life Cover amount stated on your policy schedule.
You pass away.
We don’t pay a Life Cover benefit if your death arises directly or indirectly from any of the following:
  • A pre-existing condition
  • Participation in an illegal activity
  • Working in hazardous conditions
Critical Illness – Cancer, Stroke, Heart Attack, Coronary Heart Disease
The Critical Illness Cover amount stated on your policy schedule.
You are certified by a medical practitioner as meeting any one of the four medical conditions, as defined in the Medical Definitions Reference Guide, and you have survived 30 days after diagnosis or the event occurring.
We don’t pay a Critical Illness Cover benefit if your critical illness arises directly or indirectly from any of the following:
  • A pre-existing condition
  • A critical illness or related event that occurs within 90 days of when your cover started (No claim period)
  • Participation in an illegal activity
  • Working in hazardous conditions
  • If you die within 30 days of being diagnosed with or suffering a critical illness
Total & Permanent Disablement
The Total & Permanent Disablement amount stated on your policy schedule.
You meet the definition of ‘permanently disabled’ or ‘permanent disablement’.
We don’t pay a TPD Cover benefit if your permanent disablement arises directly or indirectly from any of the following:
  • A pre-existing condition
  • Participation in an illegal activity
  • Working in hazardous conditions
Bill Protection – Disability
  • The Bill Protection amount stated on your policy schedule, for the period when this cover was in force
  • Only applicable if you held the Bill Protection benefit and the claim is for an event prior to 1 November 2018
  • You’ve been continuously employed for the 180 consecutive day period before you became disabled
  • You’re disabled for at least 30 consecutive days
  • You remain disabled after this waiting period
  • A medical practitioner has provided relevant certifications in relation to your injury or illness and subsequent inability to return to work
You don’t meet the eligibility criteria.
Bill Protection – Unemployment
  • The Bill Protection amount stated on your policy schedule, for the period when this cover was in force
  • Only applicable if you held the Bill Protection benefit and the claim is for an event prior to 1 November 2018
  • You’ve been continuously employed for the 180 consecutive day period before you became involuntarily unemployed
  • You’re unemployed for at least 30 consecutive days and are actively seeking employment in Australia
  • You remain unemployed after this waiting period
You don’t meet the eligibility criteria.

Please note: Limitations and exclusions apply for each benefit type. Please refer to the latest version of the Simple Life Product Disclosure Statement (PDS) and Policy Change Summary for more details.

Call us on 13 3982 between 8am and 5pm, Sydney time, Monday to Friday to discuss your eligibility to claim in more detail.

Learn more about Simple Life

Things you should know

As this information has been prepared without considering your personal objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. This information is provided by CMLA and where we refer to ‘we’ and ‘our’, we mean CMLA.

Please refer to the Simple Life Product Disclosure Statement (PDS) and the Simple Life Medical Definitions Reference Guide for full benefit details, terms, conditions and exclusions. A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for Simple Life are available online or by calling 13 39 82 between 8am to 6pm (AEST) Monday to Friday. If you call this telephone number, you may be speaking with customer service representatives from Aegon Insights Australia Pty Limited (“Aegon”) ABN 35 082 524 785 AFSL 236657. Aegon is authorised to issue Simple Life on behalf of CommInsure.

The issuer and insurer for Simple Life is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). CMLA is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA.

The Commonwealth Bank of Australia does not guarantee the obligations or performance of CommInsure or Aegon or the products they offer.

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

CMLA’s Privacy Policy

As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy.