When life happens, we’ve got you covered

Having insurance can help you live life with good financial health and peace of mind. Appropriate insurance cover helps you and your loved ones prepare for when the unexpected happens.

Being prepared doesn’t just mean having insurance cover, it’s also about knowing how to access your insurance benefits to help you walk through certain life events. Keep reading for the basic information you need to know about making a claim.

 

What is a claim?

An insurance claim through super is when you (as a member) or your beneficiary makes a request to receive benefits if you suffer a loss covered by the insurance cover you hold in the fund.

For example, if you hold Income Protection cover and become sick or injured and are unable to work for a long period of time, you may choose to make a claim to receive regular payments to help compensate for your loss of income.

 

When you can claim

To make a claim to access your insurance benefits, you first need to meet certain eligibility criteria. These criteria look different, depending on the type of claim you make.

 

What types of insurance claims can you make?

The type of claim you can make depends on the type of insurance cover you hold in the fund. Christian Super offers members the following types of insurance cover:

Death (includes terminal illness) A lump sum paid to your dependants as financial support if you die or are diagnosed with a terminal illness and have been given a life expectancy of less than 24 months.
Total and Permanent Disablement (TPD) A lump sum paid to you to help you meet expenses if you suffer an illness or injury that leaves you totally and permanently disabled.
Income Protection (IP) Regular payments to help compensate for your loss of income if you become sick or injured and are unable to work for a long period of time.

 

How you can make a claim

If you’re thinking of making a claim, you or your legal representative will need to contact us by phone or email to let us know of your intent to claim and the type of claim you wish to make. The sooner you contact us, the better.

Once you contact us, a Member Care Case Consultant will walk you through the claims process and help you understand what to expect.

 

What to expect during the claims process

When you need to make an insurance claim, it can often be an emotional and stressful time. That’s why throughout the claims process, you can expect our team to handle your claim with deep empathy and care.

We know that dealing with a claims process under these conditions can be overwhelming. So, we’ve put together a simple overview of the process to help you know what to expect ahead of time.

 

Overview of the claims process:

You contact us
Call or email us to let us know you intend to claim. We’ll outline the eligibility criteria and key steps in the claims process
We contact you
A Member Care Case Consultant will be assigned to support you through the process and will send you forms so we have the right information to process your claim.
You complete claims forms
You’ll complete the claims forms sent to you and return to us with any supporting documents.
Your claim is lodged with the insurer
If you’re eligible, we’ll lodge your claim with the insurer and notify you when we do.
Your claim is assessed
The insurer will review your claim and may ask for more information. If more information is needed to assess your claim, we’ll let you know.
Your claim is resolved
The insurer will confirm their decision to either accept or decline your claim. We’ll keep you informed of the outcome and let you know the next steps.

 

How long is the claims process?

The length of the claims process depends on several factors and the circumstances of your claim. No two claims are the same. However, we will do all we can to process your claim as quickly as possible and keep you informed of its progress. To help us do so, we ask that you contact us as soon as you can if you plan to make a claim and respond promptly to any requests for more information.

 

We’re here for you

If you have any questions or need support at any point during the claims process, we’re here to help.
To contact our in-house Member Care Team, click here. If you don’t need to make a claim, it’s still a good idea to review your insurance cover when your circumstances change, to ensure it’s still appropriate. If you’re unsure of how much insurance cover you currently have or want to find out how to change your level of cover, we can help with that too.