Is it covered?

Reading and understanding the fine print is crucial, and especially before submitting a claim, you’ll want to check that the event/condition is covered by your policy.

Not sure? Get in touch. The covered/not covered question is a crucial one to ask, and as we said, we’re here to help. Depending on the terms and conditions of your policy, some events might be excluded from cover or only be covered under specific circumstances. Checking in with us can give you invaluable peace of mind at claim time.

Do you have all the documents you need?

When claiming on your insurance policy, you’ll be asked to provide relevant documentation and evidence, in addition to the application form. For example:

• Health insurance – Unless you’re receiving treatment through an affiliated provider and they’re liaising with the insurance provider directly, you’ll likely need to provide medical certificates, payment receipts or online invoices, and any other relevant documents. 
• Life insurance – Life insurers usually request certified copies of birth and death certificates, and the claimant’s ID, as well as the contact details of the insured’s doctor. 
• Income protection insurance – Apart from the application form, you may be asked for a certified copy of your ID, a medical certificate and, if you’re an employee, a certificate from your employer confirming your pre-tax earnings for the previous 12 months. 

These are just some examples. It’s important to know what your insurer requires, so that you can gather the necessary documentation as quickly as possible. Once again, we’re here to help you tick all those key items off the list. Plus, we can liaise with the insurer through the process and ensure that any further information request is attended to promptly.

Be clear and comprehensive in your application form

Once you’ve gathered all the supporting evidence, the next and final step is to complete and send the application form. 

Make sure you give the insurer all the information they need to assess your claim, by answering every question on the form fully, or stating why it’s not relevant. The risk with not providing all the necessary details is that your claim process could take longer, or even worse, lead to your claim being declined.

Need any assistance?

Accuracy is one of the secret ingredients of a successful insurance claim. And with the amount of information you need to provide at an already stressful time, having an expert in your corner to help you prepare and file your claim can make all the difference.

Once again, don’t hesitate to contact us. We’ll be happy to talk you through the process.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Insurance Link (NZ) FSP 446867 is authorised by that licence to provide financial advice. Please visit www.insurancelink.co.nz/available-disclosure for more information and Disclosure information.