FAQ

Yes, we assist clients nationwide with their personal insurance claims.

Simply contact us via our website or phone. We’ll have a complimentary chat with you about your circumstances. We then charge for an initial in-depth assessment of your medical and insurance documents, before deciding whether you have a legitimate claim. If you do, we enter a ‘no win, no fee’ agreement.

Typically, you’ll need your insurance policy details, medical reports to prove you meet the terms outlined in the Product Disclosure Document (PDS) and any relevant information.

The duration varies depending on the claim type and complexity. For instance, Income Protection and trauma claims tend to be faster (a few weeks) than TPD claims, which can take longer due to detailed documentation requirements. The usual TPD claim takes 6 months to complete, unless there are complicating circumstances.

Our fees are competitive and based on the complexity of your claim. We offer a free initial consultation to discuss your case.

Yes, after an in-depth assessment, if we determine you have a legitimate claim we enter into a ‘no win, no fee’ claims agreement. We’ll discuss how all this works during your initial free consultation.

Absolutely. We can review your case, provide advice, and assist in requesting the insurer reopen the claim, if necessary. We can also lodge AFCA complaints on your behalf.

Yes, we handle all communications with your insurer to alleviate stress and ensure clarity.

We can assist in managing multiple claims simultaneously, ensuring each is handled efficiently and effectively.

Here is a quick breakdown of waiting periods and what they can mean for your claim.

Income Protection: Income Protection policies have a waiting, however, the time differs with each policy. A waiting period on an Income Protection policy your benefit entitlements will not begin or be payable until after the waiting period. The common waiting period for Income protection claims is 30, 60 or 90 days.

Total & Permanent Disability (TPD): TPD policies usually have a longer waiting period i.e. beween 3 – 9 months. A waiting period on a TPD policy means you will need to meet the TPD definition and wait the waiting period before an Insurer will accept your claim. Trauma/Critical Illness: Most Trauma and Critical Illness policies don’t have waiting periods and are payable upon satisfying the Insurer’s requirements. Consult your policy documents and PDS for your particular waiting periods.

Navigating insurance claims can be complex and time-consuming. Professional insurance claims assistance provides expert guidance, ensuring all necessary documentation is correctly completed and deadlines are met. Getting the medical reports to support the PDS definitions are crucial. Our support helps you understand intricate policy terms and maximizes your chances of a successful outcome, reducing stress and potential errors that could lead to claim denial.

An insurance advocate acts as your representative throughout the claims process. They provide expert assistance by managing all communications with the insurer, interpreting policy details, helping gather required information, and ensuring your claim is handled efficiently. Their role is to simplify the process for you and provide dedicated support to achieve the best possible result.

Yes, absolutely. Our services include helping you decipher and understand your insurance policy documents. We can clarify complex terms, explain your coverage, and identify the relevant sections for your potential claim. This ensures you have a clear understanding of your entitlements and what criteria you need to meet.

Yes, we can certainly help. If you’re unsure about your eligibility to make an insurance claim, please contact us for assistance. Our experienced team can review your policy details and circumstances to provide an initial assessment of your potential eligibility, offering clarity and guidance.

We can save you significant time and stress by handling the often overwhelming administrative burden of the claims process. We manage paperwork, communicate with the insurer, and ensure all requirements are met promptly. This allows you to focus on your recovery and well-being, knowing your claim is in capable hands.

Insurance claims are often declined because of include incomplete medical documentation, misunderstanding of policy terms, missing deadlines, or the claim not meeting the policy’s definition of an insured event. Our assistance helps you avoid these pitfalls by presenting strong medical documentation, clear understanding of your policy, timely submission, and accurate claim presentation.

Absolutely. We believe in keeping you informed throughout the entire insurance claims process. Our team will explain each stage, from initial notification to assessment and final decision, ensuring you understand what to expect and what information is needed at each step. This transparency provides clarity and reduces anxiety.

If disputes arise with the insurance company regarding your claim, our experienced team can provide crucial assistance. We can review the reasons for the dispute, help you gather additional evidence, and advocate on your behalf to reach a fair resolution. Our goal is to ensure your voice is heard and your rights are protected. If the insurer doesn’t approve your claim, we can lodge a complaint with AFCA on your behalf.

Yes, our insurance claims assistance is specifically tailored to your policy and individual situation. Each claim is unique, and must be based on your particular medical situation.