Claims process

Step 1 - Claim Notification

Complete the online Absence Notification Form here

Step 2 - Member Claim Form

Upon receipt of the claim we will contact the member and ask them to complete a Member Claim Form. The member will be able to complete this online if you provide us with their personal email when submitting the claim.

Step 3 - Claims Management

We will assess the information provided and if further information is necessary or if we need to request an independent medical assessment, we’ll pay the costs.

For most insured conditions we’ll pay the lump sum if the member survives for 14 days after meeting the definition for the insured condition. For list of specific conditions, please see our Critical illness cover technical guide.

Step 4 - Claim Payments

Payment is usually made within five working days from when we accept the claim.