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In the unfortunate event you or your family ever need to make a claim on your policy, all legitimate Simple Life claims are processed as soon as possible.

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.

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.

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.

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

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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 and 8pm (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.