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.
Our claims philosophy is simple. We’re in the business of paying claims as promised by our products. We will treat you with empathy, compassion and respect and guide you through your claim as quickly and simply as we can.
In 2018, CommInsure paid over $960 million* in life and income protection payments. That’s over $18 million in claims paid on average each week.
*We paid these claims under our Retail, Direct and Group insurance policies.
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.