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Critical Illness Cover claims
How does the claim process work for a life assurance or a critical illness policy?
If you are diagnosed with a terminal illness, which is an illness likely to cause death within 12 months, get in touch with the life assurance provider as soon as possible. They will usually require a claim form to be completed. This form will ask for details of who the doctors are who have diagnosed your illness or have been treating it.In the event of death, your family or representatives will need to contact the provider and complete a claim form. The life assurance provider will require sight of the death certificate and instructions as to how the payment should be made. Most companies have specialised departments to ensure that valid claims are honoured as quickly as possible.
For a critical illness claim, the provider will again require a claim form to be completed. The form will ask you for details of your illness and the doctors who have treated you. The insurance company will then write to the doctors to collect information about your condition. If this information confirms that you have suffered a critical illness which is covered by your policy, your claim should be paid promptly.
You may be asked to provide other supporting medical evidence, such as the results of medical examinations, to confirm that your claim is valid. Some conditions must be permanent for a claim to be paid. It can sometimes take time to show that the condition is not likely to improve.
For some critical illness policies, when you become critically ill you must live with the illness for a certain period before the claim is paid. This period varies between insurance companies, but is usually up to a month from the date your illness is diagnosed.
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