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The support you need

How to make a claim

1.  Notify us of your claim by phoning CommInsure on 13 1056 immediately after you become disabled. Your claim will be directed to a Case Manager who will spend some time discussing your situation and explaining how we assess the claim and what information we may need.

2.  We send you a claim kit, generally by email or post, within 48 hours. This pack will include a letter explaining the next steps, relevant claim forms and FAQs.

3.  Our Case Managers will review the information you have provided in the claim form and start the assessment of your claim.  Please keep in mind that some waiting periods may apply, depending on the specifics of your policy, which will be clearly indicated on your policy documentation. 

4.  We let you know the outcome of your claim. For accepted claims, we pay your benefit.

The last thing you want to do at claim time is spend time chasing up your claim. We aim to assess all claims within five business days of receiving your completed form. Your claim decision may be deferred if we need additional information to complete the claim assessment.

Claims philosophy

Our claims philosophy is simple. All genuine claims are processed as soon as possible, once all the necessary documentation has been received and assessed.

In 2014, we paid more than $879 million in life and disability insurance claims to over 10,000 customers and their families*:

  • Life/terminal illness $397.7 million
  • Total and permanent disability $186 million
  • Trauma $94.8 million
  • Income protection $200.6 million.

For eligible claims, we aim to pay and finalise:

  • 40% of income protection claims within 24 hours
  • 30% of trauma and terminal illness claims within 72 hours.

For more information on CommInsure claims, please download our claims brochure.

Rehabilitation services

If you’ve been out of action due to illness or injury, getting yourself back into the workforce can be a hard task on your own. As a CommInsure income protection customer, our full time in-house rehabilitation consultants can offer a managed process with appropriate and timely services, at no cost to you. For more information, please click here to download our rehabilitation brochure.

Real life stories

Hear from our real life income protection, trauma and total and permanent disability customers who we have helped in their time of need. 

Important information

*Group, Retail and Direct statistics combined.